A good broker will show you the issues with your FICO score and give you a plan on how to pay it in such a way that will correct the issues usually with in 6 months. I'm sure this isn't the standerd but It is certainly worth checking into. Go to the actual people who make the decisions, let them give you the correct answer. good luck, melody
These are all questions that you need to ask an expert in lending. Here is the contact info. for my lender Al Rivera 562- 587-5284 or visit his website for more information http://www.altheloanguy.com he has a whole section on how to improve your credit.
I would also suggest you check your reports at https://www.annualcreditreport.com This is the officially sanction site for your free annual reports. The others are paid sites. Check your reports for any incorrect entries and get them fixed.