*Loan,banking and credit>>>credit score

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?

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/inc... Source(s): Also be sure to check out these resources from my blog to help you build, track and repair your score and report!

MyFico's Full Credit Report
http://millionster.com/go/myfico...

Suze Orman's Credit Report Repair Kit
http://millionster.com/go/suzekit...

30-day Trial of Credit Score Tracker with Free MyFico Score
http://millionster.com/go/fico30...

MyFico Deluxe Complete Credit Report
http://millionster.com/go/complete...

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.
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.
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.
Get valuable tips on bad credit from http://moneymentor.cashmatter.info... . It's a very useful website.