My FICO's score jumped from 599 to 635 in one month.. that's 36 points.. I didn't do anything special that month. I got a new card the previous month w/5 credit cards total. I only purchased $20 on each card and paid minimum balance. I've been trying to mimic what I did that month to make it jump up. I went from 599 in Jan, 635 in Feb, 642 March "paying my cc down over $1000, not much increase??, 651 in April.. So this month I'm just paying minimum to see if it increases dramatically..
My step sister got an FHA 1st time home buyer loan. She found a Foreclosure home that's $400,000+, she put forth her $220,000 home loan before it went into Auction and got it!! She got the list from the banks in the area. It wasn't a Pre-Approved Loan, it was the Loan "money in hand" that made the difference. So now I'm kicking up my FICO's score as high as I can so in September I will do the same.