http://ficoforums.myfico.com/t5/Mortgage-Loans/Started-approval-process-with-Veterans-United-Home-Loans-today/m-p/1730868#M107108 <p>I have been working on improving my credit for about 2 years now.  I have a BK discharged in May 2010 and today I took the plunge and applied for a mortgage with Veterans United.  They pulled my scores and my middle score was 635.  Normally they only required a 620 but with a BK within the last 3 years they require a 640.  They referred me to their in-house credit improvement department to help me gain the extra 5 points.</p><p> </p><p>The nice gentleman I spoke to suggested that I pay off a 2 year old Verizon collection and pay down one of my credit cards to about $50.  I paid the collection today and will be paying the credit card later this week.  They will then do a rapid rescore and that should push me above 640.</p><p> </p><p>Anyone have good success stories with Veterans United?</p> Tue, 04 Dec 2012 01:30:36 GMT kentucky_golfer 2012-12-04T01:30:36Z http://ficoforums.myfico.com/t5/Mortgage-Loans/Started-approval-process-with-Veterans-United-Home-Loans-today/m-p/1730868#M107108 <p>I have been working on improving my credit for about 2 years now.  I have a BK discharged in May 2010 and today I took the plunge and applied for a mortgage with Veterans United.  They pulled my scores and my middle score was 635.  Normally they only required a 620 but with a BK within the last 3 years they require a 640.  They referred me to their in-house credit improvement department to help me gain the extra 5 points.</p><p> </p><p>The nice gentleman I spoke to suggested that I pay off a 2 year old Verizon collection and pay down one of my credit cards to about $50.  I paid the collection today and will be paying the credit card later this week.  They will then do a rapid rescore and that should push me above 640.</p><p> </p><p>Anyone have good success stories with Veterans United?</p> Tue, 04 Dec 2012 01:30:36 GMT http://ficoforums.myfico.com/t5/Mortgage-Loans/Started-approval-process-with-Veterans-United-Home-Loans-today/m-p/1730868#M107108 kentucky_golfer 2012-12-04T01:30:36Z