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What can I do to get more (or better) quotes for my loan request ZR-LRMKRPM

My credit score is 634 average due to 2 miss payments from 2 different companies I am not aware of and one utilities bill at a location I have never lived.  Other than that my regular credit cards all up to date with payments, never late.  Because score is 634, no mortgage company offer me loan on a 285k purchase with 90k down payment. Please help!
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July 03 2012 - Azusa
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Contact me via my Zillow profile.  My office is in Azusa and I can get a lender that will get your loan approved.
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July 03 2012
There must be more to your story because just about any Mortgage Lender can write you a loan with the scenario you mention. Call a reputable Mortgage Company in your area, not a bank. If they turn you down, call another. If you think you are going to get the rediculous programs that many online mortgage companies offer, forget, they don't exist. Most of these companies are not mortgage companies, but referral companies. They promise low rates to get people to call. Most people realize these rates don't really exist, however, some people make the phone call or click on the internet hoping for a miracle and then that company sells your information to a legitimate lender.
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July 03 2012
 
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What can I do to get more (or better) quotes for my loan request ZR-LRMKRPM
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