Hello All! I've been lurking around this forum for awhile, and have gotten some very worthwhile information. My DH and I are trying to buy our first home, and we're trying to get our credit in order. We would like to qualify for a home within the next 3-6 months. I've got a pretty good grasp our CRs, we married young (12 years and still going strong!!) and we didn't realize how bad our decisions at the time would affect us, this many years later.
Both of our mid scores are around 550. Our util on ccs are pretty high, but we plan on paying those to 5% next week (Thanks stimulus check!). I know this should help out some, but our only other installment loan is a Chase car loan that we just got 12/07. We're working with credit repair service (I know, I know bad idea. Poor advice from original LO - $850 mistake) they have managed to get several items deleted and have disputed many more. My question,
