Best rates are usually 740 or even 769, but going FHA, a borrower at 640 can do okay. A lender is where they need to begin this journey.

Please, before you undertake any of this speak with a good lender who understands credit repair. There are things that help and things that harm. I’m an agent with no special knowledge of credit repair, but a big part of credit scoring is age of accounts. I’m afraid a new loan would work against you and you would be better off paying your existing cards down. Please get informed advice before doing anything. Good luck! 🍀