[Zerocool]

do they take in other considerations? The reason I ask, is that I have a credit score of 566, which I know is bad, but I have no debt except for $118.00 a month in student loans. I have been renting for the past 3 years and I am tired of jumping from Apartment -to- Apartment. I have cleaned up my credit (completely removing 19 past due medical accounts that were never billed to my insurance), yet my credit score did not take the jump I thought it would (increased only 50 points). What are my chances of obtaining a First Time Mortgage or should I even try? Thanks for the help!!