The magic number is 620. That's what FHA requires. You are not far away! Have a credit repair company (reputable one), assist you with this. What they'll do is dispute items on your report. If its an old charged off debt, it will probably fall off your report. Act on any recent debt that you can pay off and have the credit repair company negotiate a settlement. It may take some time, but don't be surprised if your there before you know it!... more
You can get it but I think you would have to get it through a lawyer or a paralegal. The bankruptcy infomation is on a system call a paser. It tracks all bankruptcy filings. Title companies may have the ability to check the paser too.
First Weber Group
Certified Distress Property Expert
Greenfield, Wisconsin... more