I am a realtor, I don't quite understand your situation. Low Debt, High Income....bad credit?
Those dont usually go together. Unless you are not paying the low debt and therefore not trustworthy
to lend money to. I guess I don't have enough information to help you...get in touch with debt counselors
and a mortgate broker to help you understand what you need to do to improve your scores. Listen to them.
Pay all bills on time or early....it's not just the best way...it's the only way.... more