I guess the quickest solution would be to see if you can borrow money from your parents, relatives, or friends, at least 4k to 5k to put towards any outstanding debt. Sounds easier then it actually is obviously, but I just did this to escape paying interest on a credit card whose no interest period had just ended. I paid off my credit card of 5k and my credit score jumped 45 points. Everybody has a unique credit situation. How much your credit goes up really depends on what sort of things are on your credit report to begin with. If you have collections or bad debt, your score may not increase significantly. If you are not able to find someone willing to loan you the money, as a last resort, check with your employer, some companies allow you to borrow off of your 401k. This is in the form of a loan, that you pay yourself back over a given time period. Of course it is never good to pull from your retirement since it is for retirement, and will make a difference later on in life. It all depends on how quickly you want to buy. To be honest with you, I have rented for 8 years and have been dying to get a house. I know the interest rates are steadily going up so it is best to act now while they are still low. With that being said, I have a 754 credit score, less than 8k in credit debt, and 80k in student loan debt. My problem is that I don't make a substantial amount of money from my job. SO I decided to wait till it all comes together, and I could buy a house without having to struggle if something happens after I buy my house. Something to think about if you happen to be rushing into buying a house.