I am a disabled veteran that fell on some hard times and credit took a hit. Tried to apply for va home loan and was told I am just shy a few points needed to qualify. I have none in collections just charge offs with lates. I live in Texas and sent off some validation letters per our states finance code, which requires them to delete if they cannot provide info requested in 30 days. My question is if the items are deleted, should I go ahead and do rapid rescore and try to get the home loan or should I just wait because it will show disputed? I don't think these debt buyers have the info I am asking for but I want to be sure before I pay them anything. Also should I stay with the Va loan or go FHA if I have credit issues?
I remember that my middle score is 570. That's the number that stuck in my head cause the lender told me that they look more at the middle score but I will check and post it. Any help I could get is helpful and appreciated.