NEED HELP WITH CREDIT SCORE

Your credit score can depend on alot of things. For instance, if you have credit cards, do you keep a low balance or are they maxed out? That's just an example. Also have you checked your credit reports lately to make sure everything is accurate? I noticed you said one score is 590 and another of 630. The report that shows 590, possibly might not have accurate information reported on it.

As mlm1947 said, your credit score can depend on a lot of things so it's hard to answer that question based purely on making those payments on time.

I've known people who had their score jump 30-40 points in a couple of months by paying down some credit card debt and carrying a smaller balance. But it's going to depend on your situation.

If you're planning on buying a home next year, you've got several months to work on improving your score. As the previous post mentioned, there might be some inaccurate information on the report with the lower score, so you should get a copy of it and make sure there's nothing on it that shouldn't be.

For that matter, I'd get copies of your credit report from all 3 CRAs. You might just find some errors that can be cleared up and increase your score with each of them.

There's also lots of information on this site (take a look under the "Articles" link on the top) that will help you get your score up. With a bit of work, you should be able to improve it by the time you're ready to buy a house.