Do you have any accounts in good standing on your credit report? I highly suggest reading through the USDA handbooks and learning their processes, if you haven't. It helped guide me in knowing what I needed on my credit report to offset the negative items. And sometimes you have to show them their own guidelines or ask for a waiver. Hoping things go well for you in the future.
Yes I do I have 2 credit cards and an auto loan current and in good standing. I think next week I will start looking into what are my best options for my credit history. Another thing is I didn't include my husband as an applicant because he doesn't have a work history he has only been legal in the country for 4 months. I added him to my cards so his credit is at 715 on all 3 bureaus. Do you think he could apply with his credit only and use my income even though he technically doesn't have the work history?