I have a credit score of 615. Income of around $48k per year. The only debt I have is a car loan ththe only debt that I have is a car loan that is almos paid off. I owe $2200. I had 2 charge off on my credit. I just paid them both. One was $1600 and the other was for $5500. Would a mortgage company work with that? I would also be applying with someone who has no credit issues. Thank youOctober 31 2013 - Orlando00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.