Best way to raise credit score fast? Currently 650 and I need 700+ for heloc

The answer depends on what is showing on your credit report. The three basic things that hurt a score are late payments, revolving accounts over the credit limit or balances over 75% of the credit limit. So depending on what the make-up of your report is, will determine the best way to boost your score. ~ Bert Carpenter, The LoansA2z Team of NEXA Mortgage ~ NMLS 40586 ~ At NEXA, we've got you covered. We are licensed in all states except MA and NY and we are pending approval in VA, so give us a call. ~ www.ApplyYes.com 480-889-9000.

Without viewing your credit report, or a detailed conversation about your situation, it is nearly impossible to answer that questions. But a very common killer of credit scores is high credit card utilization. If your cards are max'd out, pay them down to below 30%, or better yet, to zero. I lend in MN WI IA ND SD. Find me at VAMortgageMN.com - NMLS 274132