Hi Bo,
My husband has about $10,000 in credit card debt due to slow start up in a new business and I have $7000 in debt. (5,000 I have not heard from or paid on in over 2 years since my husband wasnt making enough to pay my debt and his)
I am looking for a consolidation load so we want to buy a house but can't due to
his debt, we didn't even put me on since we didn't want to hear from creditors.

I can't find any info about the credit scoring chart. If I go to a credit help agency,
they said it puts a 7 on my score which means I paid it all off but through credit management?
But if I pay it off short it gets a 9?
Is that right?
Obviously a 7 should be better than a 9, but due to the large amount, is there
a better way to go?
How bad is a short payment on your credit score?
Thanks so much for your help!
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I would try to settle if i could.
If the balance shows zero then that is better no matter what.
Negotiate anything you can.
The largest problem here is stable work history.

Look for a lease to own seller finance on a home.
You will need a down payment.