How can I clean up my credit fast?I am wanting to buy a house. My wife's credit score is about a 690 but mine is a 580 or so. I do have a few small things that we are only now able to start paying off that are in active collections, and they will be paid in the next 30 days. I have a paid tax lein and another I'm in current payments with and never missed. I have 4 or 5 credit cards where tehy are in my name or I'm on with my wife and they are all paid off now and have never been late. I am trying to see what I can do to try and get my score to at least the minimum to get a loan. Our DTI is great and we can afford up to a $300k home if I can get this credit straightened out. I just had a tough time a couple years back and am finally in a good place but I really don't want to wait another couple years to buy a home.I called a "credit repair" company who said they would dispute the negative things on my report for me....and I know I could do this but I was thinking they might be better at it than me? I am interested in any thoughts or ideas someone might have. I was a mortgage broker about 8 years ago for a few months and I know that things aren't even CLOSE to what they were then and there's no way to "explain" things to the lender or even get 100% financing any more......which really sucks by the way.January 29 2013 - US0YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.