Some family friends need to sell their house quick and its a great deal, pretty much a steal and i want it bad… the only problem is, I have no credit with a few collectors all for medical and one for a phone bill, so i have been denied for a home loan, ive tried country wide and a regular bank. I only need $100,000. My fiancee has same credit problem as me….what can i do to have be approved for a home loan a month from now… at least 2-3 months tops…. My car is on a 5 year note in my dads name, we are going to refinance it into my name this week with any luck, we will have to see what the bank says….. will that help me, the loan officer said we each need 3 open lines of credit.. ow do we do this? I hasve already been denied for department store cards, due to unpaid past bills…… any good secured credit cards I can try? I am desperate and hopeless…please help, I could really use something good happening to me and my fiancee, we have both had it prett bad!!!! will my car loan help me or hurt me? is it okay if i dont pay off al my debts right now…he also has back child support, i think he owes 10, 000….. he is current on his new but hasnt paid the arears yet!!! ANY ADVICE IS APPRECIATED!!!

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