I have 6 items that are negative on my credit report with 3 scheduled to fall off within 2 years. All the negatives are paid off and the only debt I have is a student loan and a secured credit card that I pay off every month. My credit score just jumped 20 points since I got the card a month ago. I’m really trying to fix my credit. I’ve been talking to a credit advisor and he says I’m on the right track. My score is around 600 and rising. Is it possible that I might be approved for a mortgage in 5 years once I’m out of college and have been teaching for that long?