how do i raise my credit score of 608 to high enough to buy a home?

i paid off all my debts about a year ago. only thing on there now is student loans which shouldnt go against me since i just got out of school. do i need to get a credit card? my fiancee score is lower(about 550) because he racked up his credit cards. i'm worried we wont be able to get a house. please help. thanks!

Public Comments

1. buy a less than $10,000 car using a loaner, then pay it all off after a month. =D best and fastest way. or just do it the normal way build your credit using a credit card
2. under 680 it is VERY hard to get a loan these days Work to get it over 760 where you can get the best rates.
3. Everyone has student loans - they are not bad. They will count against the amount of monthly mortgage payments you can qualify for, but don't sweat it. I built up 800+ scores in a couple of years. I got 2 credit cards, one for gas, and one for food. I paid them off in full each month, without ever being late, or paying a penny interest. Now, new credit is derrogatory to your scores for 6 months. So do not open anything 6 months before buying a home. Also, never close any accounts you have opened from the past. You will be deleteling credit history. Getting a credit card is the easiest way to boost scores - just NEVER, EVER carry a balance. Your b/f needs to make his credit cards down to 0 ASAP. Or at least down below 30% of their available credit limits. /
4. Here are some tips: 1) do not let people pull your credit (each time drops it alittle) 2) Never cancel a paid off credit card, if you have nothing on it, put it in a draw and save it. The longer you have a credit line, helps. 3) Pay down bills, 4) Switch out some money off of amaxed out card to a card that doen't have anything on it (try to stay below 50% on any card. Try these.
5. To find out specifically what you must do to raise your score, you can order your score report from all three national credit bureaus. In addition to your score you'll get your credit report, an indication of how your score ranks nationally and an explanation of how you can boost your standing. www.worldbestloans.com In order to improve your credit score, it's important to know where you stand currently. Despite all the media attention given to free credit reports you still have to pay to find out your credit score, the three-digit number ranging from 300 to 850 that is the key to your borrowing costs.
6. creditreport.undonet.com - try this service to boost you credit score before getting loan. After credit repair you can get the loan with minimal interest rate.
7. This article helped me check out my score and find out what would improve it: http://www.ehow.com/how_4804639_credit-monitoring.html