A good credit score is more then just having open lines of credit. One of the most important things you can do to improve your credit is making sure you always pay your bills on time, keeping debt to credit ratios low ( basically keeping your credit card balance low compared to your credit limits). Do you have a copy if your credit score and report? If not get one. Review the report line by line and make sure you address any negative issues on your report. If you do all this it will help raise your score. I will let you know it won't happen over night. While damage to your credit can happen quickly, fixing it can take some time. Don't get discouraged and just keep working at it. It will change with time if you do the things I mentioned before. I would also consult a mortgage person who can evaluate your income and give you an idea of what you can afford. If you are still in school you may not want to take on a second job. Your education should come first at this point. You might want to wait until you graduate before you purchase a home but if your close to graduating it might be a good time to see what's out there. My email address is email@example.com. Send me an email if you have any additional questions. I would be happy to answer them.