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Wife had a forclosure discharged in a chp 7 (both in chapter 7 house only her) . It has been 3 years since deed transfer. Both of our middle scores are over 640. No open collections. The main reason in using her is job time. I am a recent grad so my job time is only 6 months, and this has me concerned. she has 5 years. Should I leave her aside or bring her along? We are hoping for FHA