My proplem is I always paid cash for almost everything so my credit is only 620. I would appreciate some advice! Thanks alot,
If you have alot of debt pay it off. If you don't use your credit cards actively and pay them off. It also helps if you have had credit lines for period of at least 2 years.
Study what FICO tracks, and how FICO weighs what it tracks. There are a number of sources out there for that, one of the easier to understand ones is here: http://www.creditinfocenter.com/creditreports/scoring/
If you have alot of debt pay it off. If you don't use your credit cards actively and pay them off.
It also helps if you have had credit lines for period of at least 2 years.
Study what FICO tracks, and how FICO weighs what it tracks. There are a number of sources out there for that, one of the easier to understand ones is here:
http://www.creditinfocenter.com/creditreports/scoring/