So, you’ve done things the nice way by writing the creditors a “Goodwill Letter” and still nothing has changed.
Then, you tried removing negative items such as “charge offs” from your credit report by firing off “Challenge Letters” to each of the three credit bureaus. Unlikely that some items wouldn’t be removed but stranger things have happened.
Finally, you are set to bid goodbye to life in rental apartments and the inconveniences of paying an arm and a leg in rent or lease payments every year. You must be feeling excited, perhaps on the moon and can’t wait to stay in your own property. That is how it feels buying your home for the first time, and the feeling certainly befits the risk and the sacrifices you may have done.