Homeownership This type of purchase is recognized differently than the average loan or credit card. Try signing up for bi-monthly payments and consider paying an additional fee to the mortgage principal every month.
Paying your credit card debt on time is important. Get on the fast track: Consider paying an additional amount every month to speed up the reduction of debt.
 There are paid programs to monitor the score and dispute errors, yet the credit bureaus have a free option for making corrections. I am not opposed to the paid option, yet the free option has worked well for me for over 20 years in obtaining a credit score over 800.