I am trying to buy a house and have stumbled on my credit score which isn't what I need it to be. I need 18 points to get it there. I don't have a long credit history, which I can't really fix because I am young. I have a couple of credit cards which have small about $10000 in limits total with only $130 balance currently. I recently paid $1300, like two days ago. I have one recent missed payment, when we got robbed I forgot to switch the automatic bill pay over. Other than that I just don't have a lot of credit. Is there a way to get 18 point some what quickly?