Sassy Nene
New member
So here's the deal....my husband and I are wanting to buy a house but when we were younger we both jacked our credit up. Our scores are around 575. At the moment we are working on clearing our credit off, everything that is negative is over a year old but we do have delinquent accounts open. We are paying them off. We also have many bank loans and car loans that were paid off early and never had late payments. Honestly we just got too many bills and had to choose what bills to pay, we always paid rent, car loans and personal loans we had with the bank which were business related. But when money was tight we didn't pay credit cards which have hurt our credit majorly. We can show where we have always paid rent on time for the past 7 years. Is there any lenders that will qualify us to buy a home once we pay off our delinquent accounts even though we have a low credit score?