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I would say go to Equifax.com and pull his credit off the computer. Dispute everything and check it again in 2 months. Remember, you can dispute online. It is quicker this way. These may be older debts and it will help polish his credit in the future. See what happens. Then I would take another year to help the score while trying to get bad info off. As far as the rental goes, $50 is not too high. You might be able to cut expenses elsewhere at least until you guys are ready to buy. Remember, the home buying process is a series of checks and balances. You must have the credit fized BEFORE you apply. Applying and then getting rejected may push the score lower, something you can avoid altogether if you take the right steps. Good Luck!
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For Sale: $45,000
For Sale: $44,900
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