Posted on: 10th Jul, 2009 06:53 am
I have never been late on a mortgage payment, a truck. We have medical bills against us.
check with local lender
a score of 561 is generally not going to allow you to borrow, but as annyb has noted, you may have a shot with a local lender. if you've had a good history with a lender, that's probably the first, best place to start. if not, you can simply shop around - look for a community-based bank or credit union first, as they're more likely to take an advanced risk than any of the major, national lenders would be.
With a score of 561 it will be near impossible but as stated above it wont hurt to try with a local lendor.