I've been to Oklahoma. Nice area. No trees though...oh sorry...ADD. The first thing is to find out if the 565 is the middle of 3 scores. If you get into the 580 range, you may be able to get financing from more companies. You'll have to find a broker who's signed up with a lender that does scores below 580, like First Guarantee Bank. They take scores down to 530 but you have to have a certain amount of credit lines (3) that are actively open and not have any large collections open (over $2500). It's not hard to qualify, it just takes a long time because these wholesale lenders figure you ain't got nowhere else to go and they take their time underwriting your loan. So, find a broker that is signed up with FGB or any other bank that takes scores that low. OR you can go to equifax.com and check out their new system that helps you figure out how to pay off your debts to help raise your score. I think it's $15 a month. you can also go to the credit union and open a secured credit card that reports to the bureau. Get 2 lines and season for about 6 months. That should also pull your scores up. Don't pay off any collections over 1 year old until the Loan officer has already pulled your credit for financing. Doing so will re-activate an old account giving you a new collection with a zero balance. bad, bad, bad.