Can I get a mortgage after identity theft damaged credit because of it?
My husband and I are looking to buy our first home. When we talked to a lender 2 years ago they had preapproved us but we decided to hold off on buying. Back then my husbands credit score was 642. at that time we were both only 21 so we didnt have too much credit experiance. A few loans and car loans that were all paid in full on time never late. It was goiung to go in just my husbands name because I was a victim of identity theft in 20034 and it has followed me. Yes i contacted FTC IRS and all that. Now i think it has followed him. Their are charges on his credit we have disputed that were unauthorized. We also put a fraud alert out to the 3 agencies. His credit score has now fallen to 489. The house we want is 85000 and we only have 3000 to put down. Their has never been a gap in employment we make 35000 a year with 2 kids and really want our own home. Is their hope? :o
Asked by Cakezz44 about Renting Real Estate
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Answered by werny
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