try again..... 2008 f/c shouldn't be an issue.
do you have a copy of your credit? the new lender can look at that and maybe see why the other lender said no
I met with a banker today at wells fargo see how I can improve my credit score and what is dragging it down. It looks like a student loan I cosigned on has been charged off and is really dragging down my credit along with the foreclosure also during that time. I did get approved for a credit card through the bank and they said having the extra credit line will help my credit. I plan on waiting til spring which should give me plenty of time for my score to bump up and my foreclosure will fall off around that time also since it will have been 7 years.
Wells fargo requires a 660. I believe I was around 620-630 range for my middle score. I don't have the scores in front of me at the moment. I am fine with waiting though. It only gives me more time so I can save up some more money for a downpayment.