In the last 6 months we have gone up and done, from a high of 584 to our new lows of 530. We have many derogs. and inquiries. My question is, how long before I can get my score to a 620 to qualify for a home loan? That is assuming that I can get some incorrect derogs removed from our reports, no more inquires and a car loan that is too new to rate starts reporting as it should. I would like a new house by December/January. Is it possible at all?