We are able to consider financing a home down to a 580 middle credit score with only 3.5% down paymnet on an FHA loan (no rehab). FHA 203k Rehab loans require a 640 credit score. Please contact me if you would like to discuss your situation further.
Have your husband add you as an authorized user to the credit card he pays off each month. Work on paying off the medical bills, then dispute them with each credit bureau. Don't shop around until you have accomplished this as you will only lower your credit scores further.
CEO & SR Credit & Mortgage Consultant of
Ex-Mortgage Broker of more than 10 years
Yes the lender will re-issue your tri-merged report. This is done for a number of reasons, either it has been more than 30 or so days since it was last pulled, and or because of your statement of clearing things off they will re-issue the reports to see if there are any changes to your credit report and or scores.
Best of Luck;
CEO & SR Credit Repair Specialist at
Everlasting Credit Repair