Bad Credit Instant Auto Loan

I have high income but bad credit (645). My low credit score is a bit of a mystery to me. I've never been in credit card debt seriously, I had two auto loans, I paid satisfactorily, and I had student loans, I paid satisfactorily. There are some bad grades from accounts that I'm secure pay, but remained open (I paid these now I've found), and a series of late payments because of credit card charges I do not know I had acquired a card I rarely use (you are talking about less than 10 dollars). Even Bank staff see my credit report by credit score and scratching their heads.

To address this problem, I opened accounts credit card with high limits (due to go the safe route first), do not move on my credit score. I used them and paying them, not moving on my credit score. I paid all my debts and now $ 0 debt, do not move on my credit score. Can I buy on credit and pay it back, without moving on my credit score. I continue to add good grades and my score is not the case.

I am responsible with money and yet I'm stuck not being able to buy a house. Is what I can do to help improve my credit score? I feel like I'm stuck in a Catch 22 credit, I stop repeating myself, I need more cards with high limits or a mortgage to help with my score, but I can not, either because my score is so low.

To those who have been in this situation have any advice?

Repair Š”redit workŠµd fine to fix my credit. They disputed and removed a lot of bad elements in my credit report. I used this service - credit-report-score.10001mb.com

Honestly, just start to repay debts, and have patience. It's really that simple. The more debt you have, the higher your score will potentially.

http://raiseyourcreditnow.com/ a lot of good information on credit ratings and how to raise your credit score.

My instinct tells me to send you to the bank where you would most likely take a mortgage and have a conference with the loan officer who knows there. He looks into your credit file (take it with you that you do not want him to order) and give you suggestions.

The important thing now is to save money for your down payment. With 20% down will be easier to buy.

Another option is to search a home for sale with seller financing. He must not have existing funding due-on-sale so will probably be a property free and clear who has an old seller. With a decent payment and a copy of your credit report showing no outstanding balances and repayment of good years, you should be able to convince the seller to take a chance on you.