I am a first year teacher who has always dreamed of having her own home. I know the home I want and it costs around $ 100,000. My annual income is a little over $ 30,000. I have student loans that I’m repaying. My credit score is around 610 – 620. I also have a car that I’m paying for. Right now I am looking for some land to build the home on, but what I want to know is what can I do in the meantime to get my credit score on up to improve my chances of getting a loan and better yet, a good interest rate?