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How to raise bad credit quick?

I don't have very good credit or credit history but I would like to buy a home in about 6 months. I don't have large amounts of cash to just start paying chunks off my debt. I have had 90 day lates in the past. If for the next six months I make on time payments will my credit go up at all?

Also- I will be able to save about $1000 before we apply for the mortgage, should this money be saved for good appearance on the mortgage application or should it be applied to my debt for credit's sake? (note- this $1000 is not part of the down payment, we all ready have 5% for that).

3 Answers

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  • 10 years ago
    Favorite Answer

    It might be best to add the $1000 to the downpayment. A 5% downpayment is pretty low, especially for someone with bad credit. Making a larger downpayment might help.

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    10 years ago

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