Well, i was informed that as long as my score is 640 that I would be approved for the mortgage, I talked specifically to a mortgage specialist that I am working with and she said the only reason why I couldn't get into the program I wanted was because my lowest score had to be 640, if it will boost my credit above the mid- 600's then my only worries at this point is how bad of an interest rate I will get with that and also if when they pull my score again if that pull will drop it back down below 640.. -_- this credit score stuff is all tricky and what not.....