According to the FHA you must have a credit score of 650 above before you can get apartment from them, though my score was at the rate of 500 and I needed to get an apartment but my score is low with a lot collection in items Tax liens, repos Late payment, loans, all this hinder me from getting an apartment from FHA. I have searched and searched for a credit repair agent but to no avail, i got referred to CREDIT FIX HUB from an old friend of mine so I mailed him on CREDITFIXHUB@OUTLOOK.COM. After further discussion, he remove all the collection in items loans Tax liens repos and late payment were marked as paid, he also paid off my credit card debts it was amazing I don't know how he did this in less than 72hours but I think he is the best when comes to credit repairs and other hacking issues. You can as well contact him if you need his services.