1) hire a professional credit repair company and do what they say. Here is a link to one that some of my clients have used successfully: http://goo.gl/mm2T1
2) you need to get your cash flows and budgeting under control. Please reserve your seats to my next FREE Be Debt Free! workshop where I will give you the tools and the knowledge on how to do that. Nothing will be sold or offered for sale. http://www.BeDebtFreeWithDutch.com
Flat Iron Realty Group
We are able to finance FHA loans with credit scores as low as 580 with only 3.5% down and no investor overlays. Feel free to apply online at http://www.rhlapps.com/kjones or give me a call.
I do have a mortgage co that will work with you with lees than a 580 credit score, the first thing you need to do is contact me so I can give you their information:
It may be necessary to use both of you for the payment ratio: But you need to speak with a mortgage co to find out for sure:
In the mean time we can get together sift through homes that you and your husband would like to own:
Re/Max Preferred Properties
405 413 0791
Best of luck in the home search!