Question by VikaX: What type of interest can we get on a mortgage with mixed credit scores?
My husband has a “high risk” credit score and mine is “above average”. We are looking to buy a house in a year, or so. What kind of interest can we get for a mortgage?
Also, he had plenty of things in collections from 2001-2005, is there a way to raise his score now or will it not matter?
His score is around 550, and mine is around 780. We just paid off his car, and the only other debt we have is my student loan – $ 250/month – (credit cards will be paid off next month). Our combined income is about $ 74,000. He has some items in collections, but nothing since 2005. Since 2005, everything has been paid on time, with no late notices or collections.


Hello,

I am not sure how much I can really help with the info you gave us.

I would need to know does he still have collections? What makes him High risk?

Next, 630 and below is considered sub-prime for most lenders If you can get up in the 700s you can get i great rate.

Tip # 1 with the info I have is Authorized user (link Provided)
I have seen scores jump as much as 100 points in a month.

Tip#2 PRBC (Link Provided)

Tip#3 Alternative trade lines (link Provided)

Tip 4 Get copy of credit report let me know whats on it and how old and I will help for free.

Good luck!

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