I am currently in the situation as the OP. I am still active duty and my wife is a vet who has bad credit. They just took her off the loan and used my income only. We will hear back within the next couple of week weather we are approved or not.

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Starting Score:TransUnion: 698 (12 FEB 2010), Equifax: 674 (12 FEB 2010)
Current Score:TransUnion: 703 (11 NOV 2012), Equifax: 637 (11 NOV 2012), Experian: 628 (11 NOV 2012)
Goal Score:All scores 700+ by Dec 2013!!

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