atrckrswf06 asked:


His credit score is approx 550 and it showed that I dont have a credit score. His income is approx $3,000/mth and we are trying to get financing for a $45,000 house. He has a forclosure from approx 2yrs ago. and we dont have any debt ratio (car payment, credit cards, other loans, etc). Any help would be appreciated, thanks a bunch!!

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e.sillery asked:


I filed bankruptcy about 4 years ago and my credit has been raising slowly. I pulled my credit report and found two medical collections against me that were not mine. I contacted the proper people and they agreed to remove them. Only one was removed and I have been trying for 6 months to get the other off. I have a letter stating they both were to be removed, but when applying for a mortgage online they pull my credit report and see a collection against me.
My debt to income ratio is pretty low so I sould qualify for a home purchase loan, but I have been turned down by my credit union.
Who offers home loans for people with credit problems?

Jackie