Fast ways to improve Credit Score?

[piccolopat]

Pay down the $800 to zero. Don't take on any more debt.

Do use your credit card and pay it in full each month and on time.

Continue to pay your car payment on time each month. If it will save you considerable interest, try to get it paid down, but, saving for a down payment is probably a better strategy.

Good luck! My husband and I bought our first house at age 21-22.

You should arrange some kind of rent agreement with your sister, to show that you are making regular housing payments. Don't pay in cash and keep records.

Just don't forget that the sister would have to claim the rent as income.

 

[ruadisneyfan2]

So, I have a line of credit with my bank. I don’t owe them anything, and it’s been so long since I’ve used it. But, it is still open. Should I close it, or just leave it as is?

Don't close the account. It's better to keep open and available. It keeps your % credit utilization lower. It shows you have self-control compared to people who max out all the credit that is available to him/her.
Good luck house shopping and with your wounded heart. That's rough.

 

[Disneyfan754321]

If you have a family member/ friend that has amazing credit have them add you as a user to one of there cards. Have them make one purchase with the card with your name. Then they can cut it up etc. There credit age and payments on that card will transfer over to you. Your credit will go up in 30-60 days.