I’m trying to raise my credit score so I can my a house soon

I saw your profile online and was wondering if you can help me out.

I’m trying to raise my credit score so I can my a house soon. I’ve paid
off bad debt (collection items) and pay my cc down to less then 30% of
what I owe.. Same with my car loan (I only have 6 payment left vs 12
months)…Any who my score when from 505 to 557 within 2 weeks of paying
my cc down to 50%, but I just now pay it down to 30% and the charge off
and car loan has been paid down for a little over a month now. However
it’s still showing on my credit report as charge off and my loan is
still at 4000 instead of about 2000.00 dollars.
How long can it take to raise it up? I need my score to be at 620.

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you should dispute any inacurate items on your report
tht might help you fast
dispute the 4000 balance
dispute the paid off collections
dispute anything old
is the cc reporting to the bureaus
Transunion Experian Equifax