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joeyc770

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To borrow or Not...493 to 620 in 4 months for VA home loan
only one credit card. Utilities and payday loan mostly

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With only one credit card, you do not have sufficient credit history to generate a credit score. Utilities and payday loans are not generally reported to credit bureaus.  Please take the time to read the articles and utilize the financial tools on this site so you can build a decent credit score. The knowledge you gain here will benefit you for the rest of your life. I am not sure if you can build your score to where you can qualify for a VA loan in less than a year but building a decent score as quickly as possible should be your goal.

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