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Credit score 545...want to improve for purchase of mobile home...No clue where to start!
My husband has a credit score of 545...which with paying off two things in collection made it raise from 541 to 545. He has three things left in collection which we have set up payment plans for (all medical bills). He has 3 cards that were charged off due to no payment (lived 3 years off credit cards since losing his job due to being diagnosed with Epilepsy and a Brain Tumor, these totals include $485, $275, and $525). I am having a hard time trying to figure out how to arrange payments to the cards that were charged off. He has no credit history (from what his report is saying). We have tried to apply for a new card to begin rebuilding his credit but no approvals. Went to his bank and they said to setup a secured card but we don't have the money upfront to do that. We really want to buy a modular home, found one for 18k but can't get any help as far as financing...not sure what to do. Any suggestions? We are finally back on our feet and want to move forward but not sure where to even start.

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