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:lease tell your wife that everything will be just fine with time.It's funny how credit works, it only takes one late or miss payment to turn good credit to bad but, it seems to take forever to recover from the mistakes. With a good support system by her side, she will soon prevail.My credit was HORRIBLE for many years because it was a time i just didn't care about credit, but it is sooooooo very important and is much needed in order for some of us to have nice things. You'll have your home in no time:-)