<prompt> Human: This is the situation my sister is in. She has paid off her debts and cant get financing until the credit reporting agency removes it, which they wont until the end of the month. Meanwhile, the house she wants to make an offer on is going to auction on the 16th. What can she do to get that smudge of her credit faster?  <response>: There will always be another house. Dont do a bad loan to get this one. 