Asked by Brendan S., Boston, MA • Thu Mar 8, 2012
Our incomes are almost split down the middle. So we are both good earners. We both own our cars outright. I don't have much in terms of credit, i have long good histories of car loans, but nothing much beyond that, as i pay cash for just about everything.
I do have two negatives on my credit report, 1 from an unpaid Nstar bill, and one from an unpaid speeding ticket in Vermont. Both went into collections because i moved. Both were paid long ago, without pay-to-delete stipulations unfortunately.
I'd really like to get my score up to 740 or higher which seems to be where i want to be. We'll be buying in January of 13. How do i get my score up before then? I've sent letters of goodwill to remove these negative accounts, since i have 9 months before buying, what are my options for getting my credit score above 720?
Should i even care to get it above 720? We have no debt and earn decently. Any advice is greatly appreciated!
Ps- If it matters we have our eyes on a 500k range...
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