Quote:
Originally Posted by 3rd&48ers
I just wanted to use it and pay it off a couple times a month to improve my credit score
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Do you have any friends in the mortgage business? If so, ask them to pull a "tri-merge" credit report. That's the one they use, and it shows all 3 bureaus. They get charged about $15, so offer to pay. That way you can compare and see if one bureau may have bad info.
Also, most loan originators/officers know a good credit repair place. Not to be confused with a credit counseling companies, which are for people who are in over their heads, credit repair specialists can look at your credit report and immediately tell you why your score is what it is, and what you can do to improve it. I'd try that first, so that you don't take any unnecessary steps.