FICO Score of 654
which i don't think it's good enough.
ok, i understand i did late my payment few times, but i still pay it back after, people does make mistakes.
I'm wondering, what will benefit me if i want to increase my credit score? I'm looking to mortgage a house in about 6 months, so i really need some advise how i can boost up my score.
Also, will it help if i close down some of my bank accounts? I currently have 5 bank accounts, and 2 very high limit credit card.
I also have a car loan, which will be pay off in May, 2007.
Any advise that I can boost up my credit score? thanks.