Question by Mike: USDA Home Loan Co-Applicant Credit Impact?
This is pretty straight forward. As I stand now, my credit is in pretty good shape. My scores meet the guideline and my history also meets the guidelines. My wife who I am debating if she should be co-applicant or just used as secondary income on the application. Her credit file is what has me worried as of now. She has really high scores (higher than mine), but she has a bunch of bogus collections that were suppose to be removed.
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