There may be things that are there that you don't understand.
(Please note: when you choose an answer as a Best Answer, or at least give a thumbs up, it helps those who answer questions here.)
Our FHA loan will allow a middle score of 600 and higher. Scores between 600-639 require additional underwriting requirements .
May I suggest applying for a secured line of credit from Capital One or HSBC, If you belong to a credit union that report to the credit agencies, than take out a small personal loan.