Hi All, I have been rebuilding my credit for most of this year after multiple medical collections from an auto accident last year. I have been able to get all but a few medical collections removed and am going to have to hire a lawyer for thise last few since they won’t seem to do anything for me. I have 4 credit cards that I pay on time and 99% off each month. They have a 3-4 year history. I have had no mortgage for almost 15 years (which has hurt me) and just recently got a car loan but it has just started posting to my history. I can’t seem to get my mortgage version of each score (version 2, 5 and 4) up over 590 to 600 no matter what I do. My FICO 8 is between 625-640 with each CRA. I have no debt except my recent auto loan and I have an income of about $ 100,000 gross yearly. I have a prequal for an FHA loan for their max ($ 317,000) but have recently moved to Asheville and this FHA limit is too low for what I need. I would have to come up with over $ 150,000 for the home I have found. I know my credit will start to go up within a few months of my auto loan posting a positive history but I need to get my home situation resolved soon and really don’t want to wait for 3 or 4 months or longer. I will be living with 2 aging parents and a toddler and have found a good multi-generational home that works which hasn’t been easy. Does anyone know of a way to get a quick score boost to these mortgage versions of one’s score? I have found that I can boost my FICO 8 much faster than I can these other versions but, so far, the lenders I have been working with are using these scores exclusively and not the version 8 score. A couple use the middle score and some consider all 3 CRA scores but all lenders use these versions for sure — they have been nice enough to share the CRs with me. Also, does anyone know of a lender that will use a score under 620 for a conventional loan? Any advice would be greatly appreciated.