After there has been bad credit, VA requires there to be 12 months of re-established credit. So since it sounds like you know his scores/credit, when are the last negative items (late payments, collections, etc.) reporting and what positive credit does he have since then? What negative items are there? While VA doesn't have any score requirements, mortgage lenders are free to impose their own score requirements and many are looking for 620 scores. If there are owing collections & charge-offs, VA doesn't require those to be paid either, however again lenders can make their own more restrictive guidelines and so sometimes they may have to be paid depending on the lenders you are talking to.
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