Improving your credit (FICO) score quickly can be akin to turning a battleship on a dime. It can be difficult. The time to begin credit score management is months before you make loan application.
However, a good loan officer can help you get “re-scored” based on errors and certain changes, but generally speaking, paying your bills on time and keeping outstanding debt levels low are the key items considered in determining your overall credit score. And, do not close accounts that you’ve successfully paid off. Available unused credit is good for your score as well!
For more on this topic or for a list of great local loan officers, please email us at smith@realtor.com