Q:
I am retired veteran trying to purchase a house as a first time home buyer my credit scores are in the 590 and have had three garnishments that have been satisfied as of April 09, also had two lates with Bally’s total fitness in May and April of 09 which the membership has been cancelled but the lates are still reflecting on my credit report, I also have have a 2007 vechicle financed which have made on time payments, what can I do immediately to increase my scores have a deadline to meet by Jan/Feb 2010?
A:
Hello,
It sounds like the recent late payments caused your credit score to drop. It is really hard to determine what needs to be done without looking at your credit report. I will give some tips on what will increase your credit scores quickly. Here is an article I wrote a while back that will give these tips. Also remember late payments will be on your credit report for 7 years. Credit Repair tips here.
CreditScoreQuick.com
