•Credit qualifying factors include
ability to save, responsible credit pattern, job stability,
etc.
•Most lenders require a 3-bureau
merged report.The
last 12-24 months are most important.Payment history on mortgage debt has major impact.
•Only payments over 30 days
late are reported.
Number of open accounts including percentage of total credit
borrowed are credit score tendencies.Closed accounts are not considered.
Even if you had a bankruptcy you might qualify and should
consult a loan professional