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If you'd like to know the fastest way to improve your debt-to-credit ratio fast just watch this video.
A second area where you could do something to improve your low credit score is in your Credit mix or the different types of credit you have. If you have several credit cards, two or more other revolving lines of credit and, say, an auto loan that would be a good Credit mix. On the other hand, if you have just a couple of credit cards you might think of applying for some other different forms of credit to improve your Mix but, of course, you will need to be very careful as to how you use that new credit so that you don't damage your debt-to-credit ratio.
Keep working on that low credit score
If you do have a low credit score but still harbor that American dream of owning your own home, you'll just have to keep working to Increase your credit score. It will take time and may not be easy but the payoff at the end will be pretty terrific – fulfilling that American dream of owning your own home.