<human>: I've been told that my credit score isn't good enough for me to qualify for a mortgage. What can I do to improve it?
<bot>: One option is to try and negotiate with your current lenders or creditors. If you are able to get them to agree to lower interest rates, this could help increase your credit score. You should also consider getting a secured credit card, as this will show lenders that you are capable of handling credit responsibly. Additionally, you may want to look into refinancing your existing debt if possible, since this could reduce the amount of revolving debt in your credit report. Finally, make sure all of your payments are on time and keep your credit utilization rate low.