Jan 8, 2011, 08:44 PM
I have 3 credit cards, one I have had for over 2 years that I have not used in a while, one that is maxed out at a 700 $ limit and another one that is conjoined to me under my soon to be wife's name that has a 700$ limit with 200$ over in fees. This has dropped my credit score by 200 points in the last 4 months. We are trying to buy a house in the next few months but my credit score is at 520 and needs to be at 620 before I can start talking to someone. The deal is that we can pay all of the debt in a week but I'm just not sure if I can get it up 100 points in 2 to 4 month span. I'm 22yo. Any advise from anyone would be great and ask questions if you have them. Thanks.