Asked by Steph, Austin, TX • Sun Aug 23, 2009
My boyfriend and I are planning on buying a home together. His credit score is around 740, while mine, as of about 6 months ago, is an embarrassing 500. I've paid down a lot of debts since then, but I doubt my credit score has improved much in so short a time. We have about $2k in debt, none which is to landlords, $20k for a down payment (a gift from his father), and are planning on buying a house around $100k. We would like to put both names on the mortgage, as we are a two-income family. We've tried to get pre-approval letters, but every time we're shot down for my credit score. Do we have any hope, or do I have to fix my credit score first?
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