Asked by Donna, Chicago, IL • Thu Aug 22, 2013
I recently checked my score and it is 629. I had a credit card that went into collections and I recently paid off on June 2013. Other than that I had a few late payments on my car which has been long paid off and a few late payments on a credit card which also has been long paid off without both going into collections. I currently don't have a credit card only one with a relative as the primary holder. I am interested in buying a home. I will be cosigning with someone who has a 750 or higher credit. What is the likelihood of us getting a loan? Would it be difficult because I have a low credit? Or would they consider the higher credit score? Who is best to contact with these type of situations?
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