Asked by Nikki, Oakland, CA • Fri Jan 21, 2011
I have pulled my 3 reports and my score is very low due to lack of credit ( no negative information all my payments are on time no collection or anything )
I have had my ss# for 10 years but I only had three loans in my life time, 2 paid and closed on time and I am pying as agreed on the last one.
My 3 scores : 633, 621,621
Saving account : $12,500
Same job for 3 years, with an 85K income annual, been doing engineering for about 10 years
Could a broker help me secure a loan ( looking for 300K in oakland CA ) ?
or should I work on my score for few months ( was thinking of getting 2 credit cards and make payment on time on them, I have never owned one )
Thanks You !
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