What exactly do you have on your credit? Have you looked at each credit report individually?
Have a great day;
CEO & SR Credit & Mortgage Consultant of
Everlasting Credit Repair
Retired Mortgage Banker
best of luck!
The most important key to improving your credit is simply time. Whatever issues are holding your scores down in the low 600's, simply need time to age and become less relevant to the formula used to determine your score. There are really no "quick" fixes, and I would be very leery of any "credit repair" service who claims they can raise your scores "X amount of points" in a short time. If it were as easy as just being able to pay some money to wipe past indiscretions off your report, then our credit reporting system would be basically worthless.
As Christina mentioned below - you might want to go over your report with a fine tooth comb and try to get anything in error disputed, or deleted. It sounds like you've already done this however, since you state there is "nothing to pay off, or change". Also, as Christina mentioned, you might want to consider opening up another account. In some cases, your scores will raise in a short time, due to the fact that you would have a higher amount available, unused credit.
Hope this helps!
I have a couple of resources that won't charge you and can help you raise the scores as needed. We have options, it depends on the time you decide.
This is easy to complete and you are a buyer sooner than later.
I live in Queen Creek, do you want to stay out east?
A lender is more qualified to answer your question and help bring your credit score up because the lending regulations are constantly changing almost to quickly to try an keep up. I could answer a question, then find out the the requirements have changed, that is why I highly recommend to all my clients to speak to an experienced loan mortgager than can answer all your questions with up to date answers. I work with several loan mortgagers. I recommend Nina Carpenter. She has over 20yrs experience and is very knowledgeable in this field. Here is here contact information: Office # (480)633-4352, Nina's cell # 602-410-4352. Please give her call and let me know if she was able to help you. Also I will give you my contact information if you need to ask me any other questions, I would be glad to answer for you. Thank you and have a great day!
John Acosta / CSSPE
WEST USA REALTY