Wanting to buy a house or car this year here are some easy fast ways to bump up your credit score.
Pull your credit and repair errors.
Pay down credit lines over two months.
Pay bills on time from now on.
Never use “grace periods” pay early or on time.
Do not close unused accounts.
Cut up credit cards, but keep the oldest one. (even if you don’t use it)
Spread your debt over your credit cards rather than one with all debt.
Rapid re-scoring you'll need a lender who is a customer of a rapid re-scoring service. Generally, the service will run roughly $50 for every account on your credit report that needs to be addressed, but it could save you thousands on your loan.
More on these tips go to this site, and some tools and strategies to get your score higher :(click here)