So I just received a loan for a newer truck my credit was only 540 so my father had to co-sign with me, my question is, how long will it take to start raising my credit? Any clue anyone I'm wanting to buy a house within a year and need it to be about 620 to be approved on the first time home buyers program, thanks for any and all answers.

There is no way to tell. The formual for calculating the score is a closely guarded secret.

But, if you make all your payments on time and have no other credit problems it might come up enough in a year.

Review your credit reports and make sure anything that is open is current and being paid. If there are collections or judgements on there, make sure they are paid. Don't open new credit or use the credit you have. Your credit balance vs credit limit is a very big factor in figuring out your credit score. If all of your credit cards are maxed, it reflects VERY badly on your score.

I read somewhere that your balance to limit should be under 30%.