I had an 840 credit score 4 years ago. Had zero bad debt and they still over time dropped my score to 580. Over time it has gone back up to 700 then down to 650 and I am debt free. So go figure. Recently went to a private lender and they pre approved me for a house loan. I got a 5.35 rate if I want it, the guy said the VA doesn't care about the credit score which is currently 670. All theybwanted was my income tondebt ratio which is common living expenses and my income. Inuse less than 33 percent of my income to live and wham they gave me approval.

I had an 840 credit score 4 years ago. Had zero bad debt and they still over time dropped my score to 580. Over time it has gone back up to 700 then down to 650 and I am debt free. So configure. Recently went to a private lender and they pre approved me for a house loan. I got a 5.35 rate if I want it, the guy said the VA doesn't care about the credit score which is currently 670. All theybwanted was my income tondebt ratio which is common living expenses and my income. Inuse less than 33 percent of my income to live and wham they gave me approval.