To raise the credit score, pay off the credit cards.
Or if you need to buy a home now, the last post Sheryl Arndt has been on Trulia for a long time. She says she can do FHA loans down to 500, she has been posting her for a long while I would think she is credible.
Just running your credit will not lower your score. Have one of your previous lenders send you a copy of your credit report so that you can really get to the bottom of what's bringing your score down. New credit inquiries contribute to only 10% of your overall FICO profile.
Let me know if I can help further and get you started on the right path.