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Charge Off Private Student Loan - What's the best way to up my credit score(640)to purchase a home?
I have a $22k charge off on my credit report, and my current credit score is a 517. I have 40k in federal loans and a $20k car loan, thats it. I cant get this score to budge at all. Im recently divorce and have 3 kids. Would like to purchase a home for them to lay down foundation.

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