Notice, that all of these loan officers are soliciting your business, but NONE of them are telling you how to fix the problem. AND NONE of them are telling you that they will be pulling your credit for a second or third time, which will reduce your score. Stay with your loan officer, if you already have one. Ask him/her to look at their credit simulator to verify how to improve your score. Then make those changes, then request a rapid re-score. Yes, you can improve it in less than 30 days to a 620. Important to pay off collections, etc. You can also write a letter of explanation for any delinquencies and place it on the bureau. There are several things you can do.