Eh, I can understand why we were turned down. They've got set credit scores limits for a hard cutoff, and this loan in particular put him below that cutoff. Mine is fine, but alone it wouldn't qualify us for enough to even consider looking for a house around here. If we were still in upstate NY, we could probably get by just fine leaving H off the application.

It's just crushing to find out -- less than two months after checking our credit reports -- that there's something out there we weren't aware of. If we'd known about it, we would have taken care of it before even considering applying for a mortgage. Unfortunately, it's not just a single payment; we have no idea how far behind the account is, and H can't get through to them to find out.