Working on credit need some adviceMy score the last time i checked(last year) was around 540 or better on all three reports, if I worked on and cleared up all negatives on my report, whats the best score i'm looking at? I'm hoping to be in the lower 600 in a year if possible,am I aiming too high? Since then the 2 active accounts I have i've never been late ,this is 1 credit card and my car note which comes out automatically.I have no bankruptcies on my report, but there are charged off credit card debt which i have begun to work on.They are at least 5 years old,I have settled 2 cc accounts last year, How will this effect when looking for a FHA mortgage?September 16 2011 - Philadelphia00YesReport 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.