My wife and I are in the process of rebuilding our credit. right now my score is in the middle 600's & her's is in the low 600's. My wife is six months pregnant with our second child and that's forcing us to have to purchase another car sooner than we planned. I know that time and patience are the best plan for rebuilding your credit (or so they say) but I'd like to know if there is something I can do between now and the end of the year to increase my score. I'd like to qualify for the lowest rate I can and not pay more than I have to because we'll have a new baby to care for.
