the only thing that changed was, we moved to a different state and accepted jobs we had lined up befor ethe move. wife still works for same company but got a promotion and more income, i make pretty much the same except more overtime to make income slightly higher.
no new credit opened, no late payments etc.
the credit score was fine until all the credit checks were done.
lenders take one look at the credit score and don't even bother looking at anything else. they just tell us our credit score is too low, can't do it.
we were fine until the orignal lender that approved the loan looked at the info we sent them, and found out it was a manufactured home, after the fact. then they denied it, telling us the only way we could get it, is if we mortgaged the house in the other state the kids are now living in, for 25,000 at 10% for 30 years to make an $11,000 downpayment on a 70,000 property that the rest would likewise be financed for 30 years at 10%. but that was after the credit score was dropped. prior to that the downpayment and interest was considerably lower, and didn't require mortgage of the other property.