Question by JH: How can I raise my credit score from a 580 to a 620?
I recently struggled getting my credit score to a 580 as soon as I made it the the requirements for an FHA loan changed to a 620. I would like to know what I can do to raise the score. I paid every negative item off on my credit report. What else can I do?

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Best answer:

Answer by Thomas
Pay on time for several months – that is 35% of your score right there. If you have been carrying balances start working to reduce them to 25% or less of credit limits. the ratio of available to used credit is another 30% or so. Some things you can’t alter like length of credit history so you just live with it.

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