<prompt> Human: Hi yall! I am a 28 year old who is looking to rebuild my credit. I want to buy a house soon and need to increase my score. After using Lexington Law, my score has jumped up from a 590 to 620 since late December. However, I need to get my score to 700. What are the best ways to increase my score outside of piggybacking on someone elses credit, which is not an option for me?  <response>: Theres really no shortcut or speed-up to a better credit score. Even becoming an AU on someone elses account wouldnt help because, while your score might jump, that AU account would be completely disregarded by your lender. A mortgage lender is going to look at your income and every detail of your credit for the last 7 years. They care about your utilization rate, the length of your credit history, whether you regularly paid on time, and how much credit youve been trusted with. Its going to take a good amount of time and responsible credit use to raise your score. 