Gatr796, If your accounts are 100% on time then you have other compensating factors that are dragging them down.
1.) If you have a revolving credit account, and the maximum limit is $5000 and you carry a balance of $5000, then this will impact your credit scores.
2.) If you have a revolving credit account and you carry a balance due of 50% or more (based upon your maximum limit, then this can impact your credit scores.
3.) Too many new credit accounts.
4.) If you recently paid off/down an account this may drop your credit scores.
5.) If you had a prior bankruptcy which no longer shows on your credit and you have any slow pays this can affect your credit scores.
6.) Although you pay all of your accounts on time, what you owe (based upon all of your credit accounts) may be too high.
If you truly pay your accounts on time, 613 is a low score, there is something else impacting your credit history. You need a full trimerged credit report complete with scores, work history, address history and prior accounts.. This is approximately 20 pages.
Your question will prompt, lenders, mortgage brokers and credit repair specialists to answer you. This is a good way to find someone to help you.
Brock Realty Inc
If you'd like to search the MLS like an agent in real time, you can visit our website and sign up for a free Listing Book account. You will be able to change the search criteria to suit yourself and received morning reports regarding new listings, price changes and recent pendings.