I've made some bad decisions and missed paying my student loan in the past. I'm current on my payments and have been for about 1 year. Have two secured credit cards, my score is still low at 570. I'm wondering if I just keep paying on time and keep utilization low, will my score increase or do I need to start applying for more credit? I'm being really hopeful and saving $1000 monthly towards a down payment on a home and would like to purchase one in 6 months-1 year. Is this even possible? Thank you so much for viewing!