Actually, as a Real Estate Professional, I would help the potential tenant to find out why there is such a discrepancy in the credit scores ! There is a substantial difference between a score of 680 and 639! I have come across this situation many times. After looking into this matter and correcting errors, tenants have walked away with a much higher score which helped them qualify for and secure a better apartment!... more
You can begin by paying all bills on time, consider a secured credit card--depending on your situation, if you have a loan officer, consider asking him/her the question--he/she can best advise as it relates specifically to you.... more