Most Lenders can work with you with at least a 620 Credit Score. Make sure that everything is correct that's being reported about you. Dispute errors with the Credit Bureau.
Since your Credit Score is 530, you should have a Lender review your Credit Report. The Lender can tell you what to do and how to qualify in the next 6 months to 12 months from now.
Liberty Bell Real Estate
Office Phone: 215-885-3332
Direct Number: 215-237-4147
I assume that you are looking to buy a home in the near future. To qualify for a loan you would have to have a score of at least 640. Right now, you would not be able to get a loan for your score. With that being said, since your at a 530, you would have to work hard to bring your score up. You would have to pay your current debts on time and pay some of your debts off (credit cards, car note, loans, etc), and more importantly don't have anyone run your credit; it will bring your score down each time it is ran. Its going to take some work, but its doable and you can do it with focus and determination. I work with a great loan officer that can give you options to help you purchase.
If you have any questions, feel free to contact me at firstname.lastname@example.org or 267-918-6322.
The Mack Group
Keller Williams Real Estate - Media
1400 N. Providence Rd, Building II, Suite 1000
Media, PA 19063