Dave Ramsey

So, I mean, you can't, you know, but if you've got stuff that's in collections or been in collections and you're having to settle it, the last thing you need to do is go into debt to build your credit score to buy a house.

So you need to freaking do this in the right order, dude.

I mean, listen to what you're actually saying here.

It's kind of crazy.

So, no, you need to clear the debts, get to zero, and zero activity.

And if it takes longer than six months or longer than 12 months because something else pops up, well, that's something else popping up would have screwed up your other plan, too, by the way.

If you're sitting there and the credit score is going up, up, up because you have a bunch of healthy accounts that you're paying on time merely to drive your credit score up and you have a collection drop in the middle of that, it goes down, down, down.

And so anything you have pop up that unexpectedly is going to affect either strategy negatively.

Now, I would clear everything and count on six to 12 months after date of last activity, you should see a credit score disappear, become undeterminable, and you can go to Churchill Mortgage and get the same mortgage that someone with an 850 score can get.

Same exact mortgage, but they do manual underwriting in order to make that happen.

And I was wanting to try to move back home, and my pay will probably be getting cut in half almost.

And she's a stay-at-home mom.

And I was just going to see what y'all thought on that.

Well, I'm gone for five days a week, and then once a month I have to work the weekend shift.

And I just want to be home with them more, be more present, and that's it.

Yeah, pretty much.

I just want to be with them more.

Probably not 50%.

It might go from like 130 to like 70 or 80 probably.

I'm a fiber optics blaster.