My credit score is 575. Details surrounding the score are as follows: 4 new medical collections and a auto loan that I co-signed on with my sister that has numerous 30 day late payments but never over that. All other credit is paid as agreed. I am in serious need of a mortgage but I don't want to have everyone pulling my credit just to be turned down. I currently rent but I do own a home that I have a mortgage on that I rent out. I got married last year and the home I own that has the mortgage on it was too small and it is financed through a small finance company at an ungodly interest rate. Home has been in family fo years, can't sell it so I rent it. It makes the mortgage payment. However, my husband and I with 3 kids are currently renting, never being late and are in dire straights for a mortgage so that we are no throwing our money away. Is there anyone who could help?