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Saw a guy at the credit union trying to buy a house with a 580 score
He was getting a hard no from the loan officer because he only disputed old collections. You need to build new positive credit too, like a secured card for six months. Anyone have a lender that works with thin files?
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brian_taylor156mo ago
Sounds like a lot of hassle for a house.
10
terryscott6mo ago
My cousin got a house loan last year with a 590 score from a local credit union. I mean, they made him get a secured card for a few months first, but it worked. Some smaller banks will look at your full story, like if you've had the same job for years. It's not just about the number.
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