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motoracer wrote:trying to buy a home with a "va" loan in the winter my scores are TU 603 EQ 622 EP 619My income is 145,000 per year same job 3 yearsmy total monthly debt with child support is per month is low 23753 baddies on my credit report 3 charge offs 3 years ago all paid in fullno collectionsone 30 day late pay in 12 months HD credit,,,,was out of the country (long story)I think i will be considered sub prime correct?