Thanks for the info. I'm freaking out about this myself because I have been turned down everywhere with my credit in the low 600s. Getting my score up above 640 is my goal, because I think I can do that within a couple of months.
One of my biggest credit problems is that some of my cards are close to their limits. If I can get them paid off or substantially paid down that should make a big difference.
I was able to improve my credit fairly quickly last year, but then encountered (sigh) more bumps, financial emergencies, etc., that knocked it back down.