Continued: Could I get the VA to finance me? The above is my wife's great credit that was lowered on a Matercard and VISA credit cards but my credit is worse with none of my derogatories on her credit reports. Thius is so embarrassing to me. We are tired of having $100,000 in rent receipts. Would they use her credit rating though she doesn't work? We have no downpayment as I lost my job and went to a poverty level for 5 years taking anything I could find at 1/3 my salary. I used my own credit cards to keep us in food and rent ( a very long time renter never late) and paid only for necessitites. When I ran out of credit cards I was $65,000 in debt!!! There is no way I can pay these people back though I had the intentions to do so. My last payments to them were 18 months ago and will let them "charge off" as someone suggested to me letting them lop off as my credit gets better, that's better than bankrupting them. Finally, a great job came open sending my income back up to where it was...$50,000-60,000 yearly. I had to buy a new car for my job and to save on over $4 a gallon of gas prices cost me payments of $350 a month at OUCH.....11.99%.