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We really need to upgrade to a bigger house. Recently our family expanded to 4 kids in a 3 bedroom house. Our credit hasn’t been the greatest, but in the past month we have taken care of any outstanding debt on our credit reports, caught up on our current house payment (we were one month behind), paid off half of our one credit card bill and will be timely on all payments, and are current on all other finances. How long will it take for our credit scores to start improving enough to qualify for a home loan?

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I would like to know what is the best credit monitoring service to use. I want to be able to see my credit scores from all three credit reporting agencies, get alerts when credit is ran, all three credit reports, and be able to protect my credit with a password. Any idea what the best option would be?

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I have several credit cards that have annual membership fees required. But I do not use them and have no plans on using them in the future. I’ve been told that if I cancel these cards that my credit scores will suffer because of the cancellations. Is there a way to cancel these cards without causing anymore danage to my credit scores?

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Have a few credit cards with high rates that we no longer use. Is there anyway to get rid of a ,000 credit limit on a card that has a zero balance without killing our ‘excellent’ credit scores?

We would like to increase the limit on our lower interest rate credit cards, but have not been allowed to due to outstanding limits on existing credit cards.

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Just so I don’t get flamed about the dangers of adding someone else to a credit card… we are soon to be married and our money is already in a joint account. We are both trying to increase our credit scores in preparation of purchasing a house. We have just paid off all credit cards, so that will be good on credit… and we are going to leave the accounts open with little or no balance.

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