I entered into a real estate contract thinking my credit score was fine but was stunned when the bank denied my loan. My scores were in the 630s because I do not keep any credit cards, so I signed up for three AU accounts from BoostMyScore. The first card hit two weeks later and brought my middle score up to 693! The second account showed up on Experian yesterday, increasing that score to 730. My mortgage broker says he’s never seen such a large jump in credit score in such a short time. My application has now been submitted to the loan processor and we’re waiting to hear back. If I had to do it over, I would have changed only one thing: I would’ve signed up 30 days sooner so that I would’ve had enough time for the third card to hit. Who knows what rate I might have received?