new investor need help with credit scores

[Monique Burns]

any advice will help...my hurdle is need 620 credit score....have 610....dontknow what else to do to get points up...opened a credit acct....frustrated....just refi'd on primary house FHA....so now conventional requirements are higher in points to pre qualify for loan

[Ben Graves]

There's many different things that effect your score, so it's hard to say for sure without actually seeing yours. The basics would be:

A. Pay off any collections or judgments all the way and get proof from the collections company!

B. Pay your credit cards down as much as possible, try to keep each card below 20% of the available credit. 

C. Don't open any new credit and keep your oldest lines open, don't cancel the old stuff even if you don't need it.

D. Wait, it takes time if you've had hiccups in the past.

Good Luck!