how can i raise my credit score from good to bad?

my credit score is 675 (good). i need an excellent credit to buy a house with no money down.how can i do this magic?

Public Comments

1. you have to improve your credit by paying for things on time. buy something inexpensive and when the bill comes, pay it all off. do this for 6 months and you should be fine.
2. You're not tier one, but you can get a no money down home load, but why would you want to? your intrest rate is going to kill you. good credit or not.
3. a credit rating of 675 will get you a no down payment loan -- but why -- unless you are just planning on staying in the house for less than a year of so and the payments ar less than what you can rent -- you will be better off put something down, so you payments will be even lower and when you sale to move on to a bigger and better place you will have more to put down the next time around.
4. When you're trying to build a solid credit score it's important to get a comprehensive view of what is actually effecting it... Your Credit Score (also known as your MyFico score) is calculated with the following breakdown: 35% - Payment History 30% - Credit to Debt Ratio 15% - Credit History 10% - New Credit 10% - Credit Types in Use I raised my score to well over 700 points fro 500 using these steps in less than a year -- : # Know and Track Your Credit Score (be sure to sign up for the free trial of your credit score tracking listed below. It really helped my get my score up.) # Never Miss a Payment, Starting Today # Never use more than 20% of your Available Credit # Keep Credit Cards that Have No Annual Fees Open For as Long as Possible # Extend Your Credit Limit on Cards You Already Have before You Get New Ones # Get Credit Cards that Have CashBack Rewards to Contribute to your Balance # Transfer Your Balance to a Credit Card with a Lower Interest Rate and a Higher Available Credit- # If You Think You Are Going to be FORCED to Pay a Bill Late Ask for an Extension or Payment Plan # Take out a Small Personal Loan and Repay it Over a Year # Ask Someone With Good Credit if They will Account Shadow you Read more here from my blog : 10-Ways to Boost Your MyFico Score http://millionster.com/articles/debt/increase-fico-credit-score/