We were told by several different loan officers WF that the min score needed was a 600. That's odd you were told something different. We were told once we reach a score of 600 or greater she could submit our file to UW for an approval. She told me to write a letter of explanation regarding a couple old collection accts and our lack of reserves, after I told her we were flooded in medical bills that we paid off as a result of not having reserves.