http://consumers.creditnet.com/Discussions/credit-talk/t-always-validate-debt-71411.html. Thanks to everyone's help, I was able to improve my score from around 520 to a 631 in February of this year. I spoke to a mortgage lender and was able to pre-qualify for a home loan. The threshold to secure a USDA loan is a 640 score, but my lender was comfortable pre-approving me due to the fact I was only 9 points away and I had a balance of over %50 on one of my secured cards, which we both thought when paid off, would put me well above 640. Well, after checking my score a month or so back, my middle score (the one used to qualify for the loan) dropped to 612. Very discouraging. I believe the reason it dropped was due to too many credit inquiries as well as an item in dispute that came out and negatively affected my score. Freecreditreport.com now shoes my score as a 629, which may or may not be an accurate representation of what my true score is. To make a long story somewhat shorter, I'm looking for any and all advice on how to boost my score ASAP. I have paid off all of my outstanding debt aside from one account, which I will pay off this week. I have been added as an AU on several cards, and have 2 secured cards of my own. The balance on my auto loan is at $600 from $1000. Not really sure how to proceed from here. I recently made an offer on 2 different houses which I have a legitimate shot at landing, and one will be expected to close within 45 days, so I'm obviously pressed for time. Any advice would be appreciated.