what else can be said nowso we started the process about 3 months ago my wife was a 640 i was a 583, so was told what to get off credit report. and did was a hospital bill and a old cell phone from 4 years ago they where paid off and my score jumped to 635 after both was taken off report was pre approved for our mortgage put our bid in on our house and today was told we where denined because the underwriter felt we just paid off the bills to get the mortgage. we where told by them to pay them off and if you look at the two credit reports that are about a month apart other than normal monthly payments on credit cards and car all we did was clear two negatives. what do we do nowJune 29 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.