My credit score lies at a poor 400 and I need to get a mortgage desperately. I know it is not good for me to get a mortgage at this juncture but it is an emergency. I have talked to the mortgage agents at The Financial Forum at Toronto and they are ready to give me the mortgage but since my credit score is poor the rate is a little high. They have agreed to reduce the rates if I come back with a better score. Is there any possible way by which I can improve my credit score fast?