Q: I have terrible credit score and want to invest in a home. Any tips to fix my ratings, fast?
1) Try to improve your debt to available balance ratio. Even if you owe a great deal on credit cards, if you can increase your available balance, your score will improve.
2) Pay off small bills that you are contesting. Even if you think you were wrongly charged, just pay the small amount. The damage you are doing to your credit score is not worth the dollar amount you could pay.
3) If you paid a bill late, call the lender right away and ask them to remove it immediately. A late payment hurts your score dramatically so if you can remove it, that will help.