home loan with high income and low credit scoreI make $132k per year (before taxes). My only debt is a car loan ($350 per month) and student loans ($700/month). My credit scores are 582 (equifax), 610 (transunion), and 644 (experian). I want to buy a home but cannot get approved. I have many medical bills that went to collection a few years ago before I had this income, but have paid them all off. Is my only option to get my middle score above 620? I don't see how this would help, considering different companies use different scores.September 21 2009 - Jackson00YesReport 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.