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Low credit score and ways to fix it to buy a home?
My partner and I have a goal to buy a friends house next year. Our credit score has taken hits over the last year from searching for a car and finding a home because we were almost homeless. Thankfully, in March we were both approved for a new car but with a high interest rate. We have made every payment on time and will continue to do so. However, My credit is a bit better but not perfect. I want to know what if it is possible to do this in a year for the total of 145,000? What are the best steps to take. I have talk to lenders but they say pay off the debts. But I want to know also, what would be the best amount for a down payment?

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