Hello everyone. I have a couple of questions. First some details about my credit report. I currently have a score of 583 according to freecreditreport.com. I have 4 delinquent accounts which I will be paying off in the next 2 months. Also, my auto and college loans will be paid off next month. I have 2 credit cards close to max but will be paying them off in the next 2 months as well. My 1st question is how significantly will this help my score and also will this put my in a position to get approved for a $90,000 home loan within the next 6 months? Once the loans and delinquents are paid off I really have no debt at all other than rent and utilities. I've had the same job for 12 yrs and make decent money so I have to think that will help. Thanks to all who answer.