Dear Grumpy,
I have been working hard over the past several years to improve my credit score, but it’s still not the best. How will this affect me in trying to get a mortgage loan? Is there a minimum level below which you shouldn’t even bother?
-Credit Where Credit Is Due

Dear Crunchy Credit,
I’m proud you are trying so hard to correct your bad credit. If it were up to me we would be educating our children on how not to fall into this bad credit pit, because it is so hard to get out of. Stop buying and start selling off stuff to pay off your debt. Find a good mortage lender who your realtor recommends and they can coach you on what you have to do to land a loan for a new house. Be patient, though, it might take a year or two.