A
Aaron F
Guest
score to change? I have a credit score of 561 and I need at least a 580 to be able to get into a HUD and FHA programs. I have hired a credit repair company, that has sent letters to all three credit agencies disputing the items on my credit report. They have 30 days to respond and I’m on day 18 wondering if things work out to my favor and some of those things on my credit report come off. How many more points will I get and how long will it take? Keep in mind I really only need 19 more points. I have also been paying at least a $100 a month on my credit cards to get the balance down.