Comment by newbie12

Yes a very good friend working in finance had an offer rescinded at this stage. They won't tell you why, although if the credit score is the reason they are legally supposed to send you an letter. Seriously, though, 400 FICO is appalling, I've never heard of a score that low in real life. You don't have bad credit because you don't have enough money, it is because you are living beyond your means. Stop making excuses. You are making $23K, which is enough for a single guy to live on in South Texas (I survived on a similar amount out of school). You need to get organized and take care of your business, including the speeding ticket. If you are a developer you should freelance to earn extra income-- that can actually lead to a better full-time job. You also need to downside your apartment-- live at home if that's an option, or get roommates. Also get rid of cable TV. The good news is that FICO scores can rebound pretty quickly.