Can I apply now?

Hi kollis,

It won't be of much help if one of your credit reports shows a score of 640. The lender will consider your middle score while giving you the loan. So, you will have to get hold of all the 3 credit reports and check out if your middle score is 640.

Thanks,

Jerry

Hi kollis!

Welcome to the forums!

I agree with what Jerry has said. It will be better if you could take steps to improve all the three credit scores. You can check out the given page in order to know some steps which will help you in improving your scores:
http://www.mortgagefit.com/credit-rating/credit-repair.html

Feel free to ask if you've further queries.

Sussane

First of all try to increase your credit score because with that score you won't be able to for applying a loan. If you need any help for increasing your credit score make a contact with some " Credit Services " company for increasing your credit score.

640 may qualify you for a mortgage, but if you can work on improving your score the better.

First of all try to increase your credit score because with that score you can't be able for apply a loan. If you need any information on how to increase your credit score then make a contact with some good " Credit Consulting " company for more information