For the past 2 years, I’ve been repairing my credit, hoping today would never come. The day the loan officer called to say “Your score is about 24 points shy of where we need to be to get a lender”. I’m in tears. My middle score is 690 and we are 4 weeks away from our dream house being finished. We need to roll our construction loan into a mortgage, of course, but at $ 575k (and 24 acres that we don’t want to split up) the qualifications are stringent. Unfortunately, this means my score needs to be at 714, which then opens up 2 investors. I’m absolutely devasted. I’m letting my husband down. I’m so ashamed. I’ve got a few negatives left on my reports, and they absolutely will not budge on removal (Capital One and First Premier CO’s from 2011). I’ve been added to all my husbands TL’s so that I benefit from the age, no lates in over 3 years… I’m doing everything right. But less than $ 1200 on 2 PAID charge offs from 5+ years ago are keeping us from getting a $ 575k mortgage on our dream house that we’ve spend the last year building. I literally want to jump in front of a bus right now. We stand to lose $ 210k if we can get financed.