Asked by Nazia Barker, Las Vegas, NV • Tue Mar 1, 2011
We decided this year that we should look into buying our first house and fix our credit as much as we can . We went to see a broker & Lender and find out where we are at . Husband income about $100,000 a year but the problem is credit aren't great as we both learn our mistake .. argghh !!
This is where we at ..his credit score currently at highest 662, 600 , 598. so lender picked mid score which is bad. Projecting in a month mid score will go higher around 10 to 15 points. I am negotiating debt which the only bad thing on his credit is 2 open / collection . Now since we are married , my old debt is technically his (thats what my broker told us ) . so I am settling my debt as well to help decrease the debt on both of our credit even though i only want my husband name and income on the loan as his income enough.
So seriously I need a straight answer on what should we do and what would be a decent credit score number to actually get approve within few months?
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