question someone please break down the credit score

[a2smooth]

Trying to buy a house though a first time homebuyer program they give you 7500 towards closing but the catch is your credit score must be at a 620 mine at a 614 it's been a 614 for the last month what can i do to rise this score in the next month need help fam

 

[new 2 this]

http://creditboards.com/forums/index.php?showtopic=341014

That is the faq section for creditboards' credit section. That is a good site and should be able to help you.

 

[geist]

It's crazy shit man. Some key things to helping your credit score are.

1) Paying your bills on time
2) The amount of debt you're in and how much money you make
3) The percentage of debt you have on a credit card....less than 70% of your max is good. More than 70% makes your score go down.

My advice is to pick a credit card with the highest interest rate, if you have debt on them is to pay one down to less than 70%. And if you don't have 70% try paying one down with a large sum or paying it off completely. That should pick your score up more than six points.