Wondering if there is any hope for a home loanI got in contact with a loan officer from a large real estate company trying to get pre-approved for a home loan. The guy spoke to me for 11 minutes on the phone, looked at my husbands credit report, and told me no. He says the credit report says that my husband has NO credit score, even though he just checked himself a couple of weeks ago and had a 629, and that there was medical bill in collections. Apparently, we had forgotten all about this bill as they haven't sent us anything in a couple of years. We have gotten our ideas on how to get him some credit history, now we just need to figure out how to get this $5000 medical bill quickly taken care of. I have 2 questions, first, is there any hope of getting a loan with that on there, and second, is there any way to get that taken care of quickly (and legally!). This company advertises that they work with over 75 lenders to help people get loans, so I don't know if these situations completely rule us out getting a loan, or if the guy just didn't feel like doing any work. He only spoke to me for 11 minutes. Any ideas are greatly appreciated! August 23 2013 - Edmond00YesReport 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.