Actually the VA will allow those credit scores, the lenders for the most part wont.
Give me a call and let's look at fixing that credit, it is free. I do so hoping to be able to do your mortgage for you.
I the young lady underneath Sheryl Arndt also does the same thing. You really have to find a lender like me or her who will take the time and do that for you.
Give me a call if you would like to go to work on it.