Let me add a little more information that may help with this matter. Currently my credit score is only a 645 according to Equifax. I don't have a whole lot of a credit profile to go off of. Only 1 credit card that's been open for 5 years with no missed payments, and federal student loans. My partner however, has multiple loans and credit cards, all on time payments for years. No collections, but his credit cards are all close to their credit limits accept 1 which has nothing on it. I know this has been dragging his score down into the mid 600's also, when last year it was in the mid 700's. Regardless though, he has no missed payments, everything is on time. We also have collateral. approx. $70,000 in a house with a little property, and a little over $20,000 in equity with the current house he lives in. The lot we are attempting to take over is located in Byesville, Ohio. I have pictures of the lot if anyone feels that they need to see what I am working with. Hopefully this helps a little with being able to direct us in the right direction! Thanks in advance, Jamie.
