Asked by Tmalik73, Houston, TX • Mon Mar 4, 2013
My wife and I have been looking to buy a home. We have worked on our credit for the past year. I raised my score to a 636mid and hers 685mid.we put in our application for pre approval finally and the loan officer said that weran uinto a few problems. My credit report shows that I have 6 accounts in dispute status and in order to move forward the verbiage must be changed. But that it will likely bring my score down. He suggested that if we want a home now the only option would be to try and just get her name on the loan. We have no debt and are looking to purchase a home no more than 120k.what are the pros and cons of doing that and is there any other options. Our lease is up soon and we need to make a decision. I would have liked to have my name on the loan as well. But at this point I'm tired of playing the credit game and living in a cramped apartment. Thabks
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