Zillow Advice: Credit Scores - Credit score is 584, need a home badly... http://www.zillow.com/advice-thread/Credit-score-is-584-need-a-home-badly/511603/ Zillow Advice | Zillow Real Estate If you are working on your ... http://www.zillow.com/advice-thread/Credit-score-is-584-need-a-home-badly/511603/ If you are working on your credit, there is some really good information on improving credit on MyFICO.com. They also have <a rel="nofollow" href="http://ficoforums.myfico.com/">credit support forums</a> where you can talk to people that are in the same situation as you are that are working toward their financial goals. <br/><br/>You sound committed so I have no doubt you will buy a great house when you are ready :) Tue, 24 Sep 2013 20:11:00 GMT http://www.zillow.com/advice-thread/Credit-score-is-584-need-a-home-badly/511603/ 2013-09-24T20:11:00Z Ok, Thank you so much :) ... http://www.zillow.com/advice-thread/Credit-score-is-584-need-a-home-badly/511603/ Ok, Thank you so much :) I have slowed down, an realized how much the cost can be changed by high interest. So, we have a plan to do a few small things to make us more comfortable here in our paid off cheap home ;) lol any large debt scares me, not knowing when hubby could loose his job. So, I want to keep a guaranteed roof over my 4 baby boys head right now, meanwhile SLOWLY fixing our credit :) My home is small, and sometimes I feel suffocated and frustrated, but you have all opened my eyes...I do not want to be stressed when I buy a home, I want to be confident. Thank you!!! :) love this page! Lol Tue, 24 Sep 2013 18:26:00 GMT http://www.zillow.com/advice-thread/Credit-score-is-584-need-a-home-badly/511603/ 2013-09-24T18:26:00Z You have to sit down and ... http://www.zillow.com/advice-thread/Credit-score-is-584-need-a-home-badly/511603/ You have to sit down and do your homework, create a road map and an action plan list, if you have some debt be sure to eliminate it, you want to have a good credit score because low credits scores mean high interest rates, I am sure you don't want that.<br/><br/>So before doing a house hunt, the 1st step is to know how much home you can afford and then get prequalified and so on.<br/><br/> Tue, 24 Sep 2013 17:57:00 GMT http://www.zillow.com/advice-thread/Credit-score-is-584-need-a-home-badly/511603/ 2013-09-24T17:57:00Z We can lend down to a 530 ... http://www.zillow.com/advice-thread/Credit-score-is-584-need-a-home-badly/511603/ We can lend down to a 530 FICO for both FHA and VA. &nbsp;Please view my profile to contact me.&nbsp; Tue, 24 Sep 2013 17:31:00 GMT http://www.zillow.com/advice-thread/Credit-score-is-584-need-a-home-badly/511603/ 2013-09-24T17:31:00Z Ok, Thank you. So I should ... http://www.zillow.com/advice-thread/Credit-score-is-584-need-a-home-badly/511603/ Ok, Thank you. So I should pay off the medical, and the jeep charge off?? Thats all we have on there. I had read if you start payments on the charge offs it reopens them and lowers the score. So, I would love to have an idea of how long after I pay all things could we then look for a home? :) Im trying to do it right, but I would love to move asap. Sat, 21 Sep 2013 16:28:00 GMT http://www.zillow.com/advice-thread/Credit-score-is-584-need-a-home-badly/511603/ 2013-09-21T16:28:00Z Your credit score is barely ... http://www.zillow.com/advice-thread/Credit-score-is-584-need-a-home-badly/511603/ Your credit score is barely acceptable because lenders like myself have been able to give loans with credit scores as low as 580. On the other hand, getting a loan with all the debt that you are talking about can be hard so you should consider taking care of that.<br/> Fri, 20 Sep 2013 19:43:00 GMT http://www.zillow.com/advice-thread/Credit-score-is-584-need-a-home-badly/511603/ 2013-09-20T19:43:00Z Your right, that was a contradiction. ... http://www.zillow.com/advice-thread/Credit-score-is-584-need-a-home-badly/511603/ Your right, that was a contradiction. I'm sorry, &nbsp;I just meant as far as daily bills, like we do not owe for a car, or any other major things, that's what I was trying to say:) &nbsp;&nbsp;As for the ones on his credit, yes, those are debt that we are trying to work on in this process of getting back to good. There really is not much left&nbsp;now, I have been working on it for a while. I have one at $600.00, one at $400.00 &amp; the others are very small. So, it will be paid very soon :) Except for the ones that say charged off. I am not sure if they are really there or what? Does that mean they are gone, but left a bad mark? Thanks! Mon, 16 Sep 2013 22:56:00 GMT http://www.zillow.com/advice-thread/Credit-score-is-584-need-a-home-badly/511603/ 2013-09-16T22:56:00Z [promotion deleted by Zillow ... http://www.zillow.com/advice-thread/Credit-score-is-584-need-a-home-badly/511603/ <em>[promotion deleted by Zillow moderator. Please see our Good Neighbor Policy for posting guidelines]</em>. That's important..<br/><br/>You'll hit your mark in no time..... Mon, 16 Sep 2013 22:38:00 GMT http://www.zillow.com/advice-thread/Credit-score-is-584-need-a-home-badly/511603/ 2013-09-16T22:38:00Z Thanks for taking the time ... http://www.zillow.com/advice-thread/Credit-score-is-584-need-a-home-badly/511603/ Thanks for taking the time to go step by step.&nbsp; <br/><br/>I'm a bit confused.&nbsp; In one post you wrote "<em>We do have a good deal of medical on there as well. like maybe 6 that are in collections. they range from $8.00 to $600.00.</em>"&nbsp;&nbsp;&nbsp;&nbsp; and in the other post you wrote "<em>As far as debt goes, there is nothing other than regular monthly bills</em>".&nbsp;&nbsp; Those two statement contradict each other.<br/><br/> Mon, 16 Sep 2013 22:23:00 GMT http://www.zillow.com/advice-thread/Credit-score-is-584-need-a-home-badly/511603/ 2013-09-16T22:23:00Z ok, Thank you :) Those were ... http://www.zillow.com/advice-thread/Credit-score-is-584-need-a-home-badly/511603/ ok, Thank you :) Those were the only debts we have ever had. We live in a free home now. We bought it cheap to get us through. As far as debt goes, there is nothing other than regular monthly bills, &amp; his income is in the 70-74 thousand per year range. &amp; No, we lived on what little savings we did have during the year of unemployment. I will go read it. Thank you for your time! I just want to do this right:) Mon, 16 Sep 2013 22:05:00 GMT http://www.zillow.com/advice-thread/Credit-score-is-584-need-a-home-badly/511603/ 2013-09-16T22:05:00Z