wife has a 639 score and i have a 585wife has a 639 score and i have a 585, i have 2 bills in collection one from hospital and another a cell phone. When i pay these what else should i try i have credit cards that all are paid on time and some are as old as 60 months with all 1 across. also have a car loan and a personal loan withc the personal will be paid off in 2 months. trying to get our frist mortgageMarch 23 2011 - Philadelphia0YesReport 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.