My hubby and I are trying to get our first house. We were given the advise (from a friend) to dispute everything on our credit, which we did and my credit score went up,however, his went to a ZERO!!! We were told it's because he has no new or open lines of credit to base a score off of. He has since gotten a credit card to start building his credit. He made sure that they report every month, to all 3 credit agencies. He has CA's that our broker told us not worry about paying because the dates are years old. I'm wondering how soon we can expect to see some result on his score. The credit card is one of those $200 limit, $150 in charges to start, with a beginning available balance of like $50. I'm also wondering if we would have better results paying the minimum payment for 3 months then paying it off completely or paying it off completely 1st then keep it at a $0 balance for the rest of the time. We're looking to have his mid score @ 620 to qualify for an FHA loan within 6 months. Is this even possible?