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I have a FICO score of 556 and my husband of 590 any hope

Profile picture for caraj295
There are about 6 negaitve items that i was unware of that will be falling off within the next six months because of they are seven years old that my late Mother had done that i was unaware of until after her death and couldnt get help with those (no estate). we are just sick of throwing away 700 a month renting. help! we are getting ready to met with our credit union, just worried about being laughed away.
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January 15 - New Lebanon
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Answers (4)

Profile picture for Tony Elias
You should always try no matter what.  I completely understand how you feel thinking that you may undergo some humiliation. That's not going to be the case. We usually picture the worst case scenario and let time pass and don't end up doing anything about it.  You should push yourself to apply for a loan.  Remember, the more you know, the more control you have.  At the very least, you'll walk away knowing what you need to do to increase your score and you WILL be able to own your home very soon.
There are very good programs that help you raise your credit score, so don't give up on your dream!  
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January 16
Profile picture for caraj295

We have two car loans one that is being paid off in feb of this year and the other just opened in september both have never been late. We have reneted from the same people for almost two years in march and never late. We have two credit cards that are paid as agreed.

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January 15
Profile picture for tejks
Forget about the old and derogatory accounts for now.

What type of accounts do you have that are open and active right now?

Auto? Installment? Credit cards?

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January 15
Profile picture for Wes Black
You should meet with your credit union right away. They will not laugh at you. Bring all necessary documentation to your appointment.
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January 15
 

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