Need a home loan and my credit score is low. Raise my score fast

Hello Mr. Majors,

My name is Vernice and Iam trying to achieve another home loan. I sold my previous home last summer to get a fresh start on things after having a few months of financial difficulties.
My lender said with me having a couple of late mortgage payments that it would be better if I rented for about 6 months, pay off some bills and start fresh at the beginning of 2007. Here we are almost at the beginning of the new year, and my lender is saying that my middle score is around 536 because of the late payments. I got my credit report just yesterday and my scores were 567 609 and 609, how is a middle score determined???? Iam stumped on this. My lender says that I would need at least a 540 to seek out certain programs.

I really wish to stop renting and buy another home. My rent here is as much as a mortgage payment. Iam contacting the agencies in writing to dispute things that I do not know about on my report. They have me down for a few late payments and most of them are not so.

Can you please help me to understand this stuff???

thank you

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Bo Majors
to Vee
show details
12/27/06
So you do have all three reports. Each score reporesents one bureaus reprersentation of the credit reportesd to them. SO\nGo after the lower scores. My guess is your credit STINKS. 536 oh my gosh. You have not paid anyone. My suggestion would be to get a secured Orchard Bank Card here\nhttp://www.credit.com/r/problem_credit/af\u003dp39646&ag\u003d\nMaybe more as one needs at least 3 open lines of credit.\nIf you do not have all three reports and score in hand now get them here http://www.credit.com/r/truelink_fit/af/u003dp39646&ag\nread this page it is really that simple http://www.oskie.com/raise_credit_score_fast_quickly_free.htm So you do have all three reports. Each score reporesents one bureaus reprersentation of the credit reportesd to them. SO Go after the lower scores. My guess is your credit STINKS. 536 oh my gosh. You have not paid anyone. My suggestion would be to get a secured Orchard Bank Card here http://www.credit.com/r/problem_credit/af=p39646&ag=
Maybe more as one needs at least 3 open lines of credit.
If you do not have all three reports and score in hand now get them here
http://www.credit.com/r/truelink_fit/af=p39646&ag
read this page it is really that simple
http://www.oskie.com/raise_credit_score_fast_quickly_free.htm