Credit Score to qualify without cosigner?

[trainwreck]

Well, bad news. My credit score is 586.

How high does it need to be for me to get loans without a cosigner?

AND

How long will it take to raise it?

Thanks.

[LostMyMonkeys]

Well, the lenders won't tell you what their mimimum allowable credit score it (I tried to ask when I was turned down by a few) they won't give that info up.

I was eventually able to get qualified through the Sallie Mae Law Loans at prime +5.5% (which is their highest rate) but at least I was approved, without a cosigner, when I was turned down by conventional banks for their law loans)

I don't know my specific credit score, but its not great.

As far as raising it, my guess is a minimum of 60-90 days... it takes them that long to update crap