I am new to the forum!
I am trying to refi my car and the credit union I am going through told me I need a 680 to get better pricing on my loan. I am at a 659 right now. I have to two credit cards that I have recently paid down completely. I only have three old medical collections that are paid and my auto loan. I don't have any lates on anything. How can get my raise my score up fast?