KarimaKC wrote:Nicole, thank you for asking this question! My husband and I are in a similar boat right now, but really need to move into a home. We are both teachers and can benefit greatly from the mortgage programs geared toward teachers, but have some serious stuff to clean up on our credit reports (these include some collections and derogatories). While we will almost be done cleaning those items up shortly, I am afraid it won't get our scores up to the minimum we will need to completely benefit. Many of my derogatory tradelines have already been resolved through payment (as well as any judgements). Is there still a way to get the scores up, or will it be a waiting game until some of those things fall off? I wish someone could literally tell us EXACTLY what course of action we should take to get the scores up in the shortest time possible.