Refinance, a review of the facts
But don't give up hope. Improving your credit score will make you desirable to good lenders. How can I raise my credit rating? Raising your credit rating will take effort and you will need to wait several months for the improvements to take effect, but it's worth your time. Experts advise that if you want to raise your credit rating, you should take these actions: * Reduce the amount of your existing loans by paying them off. Catch up on all your late payments and keep your payments up to date.