Asked by Lisa, Monroeville, PA • Thu Nov 7, 2013
I'm looking for help. We were planning on buying a home in the near future, my husband makes over 100,000. with over time and without 85,000.00. We were going to go through the VA program, but last night he checked his FICO scores and they were not good.....two were in the upper 500 range and the other one was above 620 sadly that one wasn't with Equifax. Now on the other two they didn't have any of the GOOD credit, like car loans and personal loans that were never late and paid off. They have him still working in the army which was over 25 yrs ago. Now there IS a debt from over 10yrs ago, maybe 3 for under 100 each.....they were sold to another creditor and that is why they are STILL showing up.
We pay 1,100.00 for rent and we have never been late since we moved in over a year ago, a car payment we have never been late on. How can we get a home loan......we are getting up there in age and we figured if we didn't try now we might as well stay renters for the rest of life.
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