DH to BEG here. Credit scores are 540-550. The CC are scheduled to come off my reports sometime this summer to early this fall so not sure if I should do a PDF or just let them go. Other than those two very old cards that are no longer open accounts I we have no others. We will be looking to get a 200,000 mortgage with somewhere between 50,000 and 60,000 down, would like a 30 year fixed and will take a hit on the interest rate if we have to. The house will be built for us in a very desirable part of our state, our current home, in the same neighborhood has appreciated 50-70K in the last 4 years, so this new house will definitely appreciate at a pretty good rate. I make 52K a year and BEG will be making 25-30K a year starting in October, which is a pretty good income for our area, median income is 43,000. Thanks a lot for any info, it is much appreciated.