My numbers aren't great and it has effected me finding a new place to live. I am currently living with my brother and want to rent a home but I have been rejected twice now and I believe it is because of my scores because my background checks are clean. How can I raise my scores THIS YEAR so I can move out and rent a home by the end of summer?
If you are able to do it, try doing micropayments. I did this for a few cards and my scores went up pretty fast. The idea is to pay more frequently, so instead of once a month, 2 to 4 times a month.
Pay as much as you can as often as you can. Focus on cards that are closer to being paid off. If you have to, let larger bills slide for a few months. most credit cards don't have direct penalty charges like bank cards do.