mangowendy2000 wrote:help... im trying to get an fha loan. my average credit score last month was 585. well when the morgage lender ran it the score was alot lower 533! yet the information on the paperwork is the same. i joined a credit consolidation about 2 1/2 years ago. i successfully paid off my old debts but it didnt help raise my scores as the company stated it would! my 3 credit reports state... settled for less than full,previous late payments. help what can i do quickly to jump start my score?