Credit Sucks

I finally heard back from the loan officer yesterday. Not Good  News. I spent the evening printing off my credit reports and wil spend the weekend sorting through. At a quick glance last night it is the same items repeated several times on my report.

They are saying that my husbands credit is so bad that he doesn’t even rank a number. He only has a few items on his. There is only 1 item that is not a medical bill on his report so I don’t understand. Although it could be that he has no positive credit as where I do.

I really need some help sorting through all this because I haven’t a clue as to how to go about trying to clear this up. Is there a way that I can have all the repeats removed? I have six months to try to clean up this mess. I’ll let you know how things are going.