It can be done with the right circumstances, but you will need help from a credit counselor, your loan officer and the credit reporting bureaus.
If you can speak with a credit counselor from the the tri-merge company that supplied your credit report they can possibly determine if you can gain the additional points on your middle credit score with some simple manipulation. An example of such would be to pay down the balance on a open credit card, obtaining proof of the balance eduction (online balance check) and then suppling the info to the reporting bureuas and paying for a "Rapid Recheck" - Fri Nov 27 2009, 12:51