It's Michael Mitchell from Victory Home Loans, and today I want to tackle a question I hear quite often: How can I get my credit up quickly? Before we dive in, I want to clarify that while I'm not a credit expert, I've picked up a few tips along the way that might help you out.

Improving Your Credit: First things first, let's address the idea of improving your credit "quickly." If by quickly you mean overnight or by the end of the week, I have to be honest—it's probably not going to happen. Improving your credit is more of a marathon than a sprint, usually taking anywhere from three to six months at a minimum.

Working with Credit Repair Professionals: If you're looking to boost your credit score, working with a credit repair or recovery professional can be a game-changer. I've personally seen great results with clients who have partnered with reputable companies like Edit My Credit. They specialize in helping people improve their credit in a matter of months.

Practical Tips for Credit Improvement: While there's no magic wand to wave for instant credit improvement, there are some practical steps you can take:

1. Keep Credit Utilization Below 30%: Try not to use more than 30% of your credit limits. For example, if you have a credit card with a $1,000 limit, aim to keep your balance below $300.

2. Manage Credit Card Payments: Instead of paying off your credit card balance in full every month, consider paying it down to a small amount, like five or ten dollars. This can actually help your credit score.

3. Don't Close Unused Credit Cards: If you have multiple credit cards, resist the urge to pay them off and then close them. Surprisingly, this can actually have a negative impact on your credit score.

4. Make Timely Payments: This is perhaps the most crucial factor in improving your credit score. Making your payments on time, every time, can have a significant positive impact on your credit health.

Dealing with Derogatories: If you have derogatory marks on your credit report, such as late payments or accounts in collections, your credit repair professional can help. They'll reach out to these creditors and request validation of the debts. If they can't provide proof within 30 days, the items may be deleted from your report.

Connect with Victory Home Loans: If you're ready to take control of your credit and embark on the path to homeownership, Victory Home Loans is here to help. Visit my website at michaelmitchell.com to learn more about how we can assist you in achieving your homeownership goals.

Remember, improving your credit takes time and dedication, but with the right guidance and strategies, you can get there.