USMC veteran with 3 years on the same job. I have a good DTI since all i have debt wise is my vehicle and two credit cards. Looking to purchase a home as soon as i can qualify. I am in the high 500's to low 600's as of March/2011. 625 - 590- 570 to be exact. I have since dropped a significant amount of derogatory accounts off my credit and have not checked since. I have a crazy amount of inquiries due to trying to get new credit and went about it all wrong so im not even sure if pulling it again matters anymore. I have a growing family so im looking to get into a new home to welcome the birth of my son in november. I have my COE from the VA stating i qual for my VA loan. Im just not sure if my credit is there yet. Currently have 3 open collections two of which will either be settled or removed completely in the following weeks and the third if need be ill pay in full. Hope someone can help.