VA Home Loan for first time buyerMy three bureau credit scores are 680 (equifax), 692 (transunion), and 708 (experian). My credit utilization is high at 86% - thanks to several medical bills that I am paying towards currently. I can likely improve my scores dramatically by paying down $1000 per month of principal on my credit cards. My wife's scores are significantly lower thanks to a missed payment from a couple years back. I make around $75,000 and she makes around $50,000. Should we apply together or should I apply on my own? Do you think we would get approved at a good rate currently or should I continue to pay down on my principal for a few months before applying? Thanks for any advice you can share. April 15 2013 - Cincinnati00YesReport 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.