Recently we applied for a mortgage loan, due to sub-prime mortgage mess, we had approval and then overnight the bank went belly-up. Our credit score was 574. We then tried looking for other banks to get approved but every-time our credit was pulled it was decreased by 5point. within 2weeks time credit went from 574 to 554! We told the banks we have a credit report indicating 574 in 1st week of September. So the next step is to get a credit repair guy to fix our credit and upgrade the score a little above 700. One of the bankers referred us to a credit repair specialist who helped us do the job in 3 days. We got the mortgage thereafter. Here is his contact info: T R O J A N @ W R I T E M E . C O M, +1 912 388 3132.