Asked by Dreamscar, 33647 • Thu Apr 23, 2009
My credit score is 540, but I have never missed or been late on rent or my car payment for the last 4 years. I do have 4 credit cards that I failed to pay on in 2 years, which is why my score is so low. I have been told that making small payments on my credit cards now will have little effect on raising my score unless I pay the entire balance in one payment (which is not an option for me). I've been renting apartments for 4 years with my partner, but we are interested in getting a house at the end of the year. His credit score is in the low 600's. We both have steady full-time jobs and our monthly income combined is around $3,000. Am I eligible for a mortgage loan? If not, what must I do to to help my credit before October to get accepted?
Real Estate in Tampa
Popular Categories in 33647
Email me when…
Success! Your email alert settings have been saved. Access all your email alerts in your My Trulia account anytime!