<prompt> Human: My wife and I just got news of a fairly lucrative inheritance coming our way, and would love to use this as a down payment for a house, it should be enough to cover 20 of the price so we can avoid paying PMI. The problem is, our credit history is garbage, mostly medical bills that went to collections. I dont know where to begin with repairing our credit, or whether thats even necessary due to the amount of money were able to put down up front. Any suggestions would be greatly appreciated. Thanks in advance!  <response>: The solution seems obvious, use part of the inheritance to settle the collections accounts and start the process of repairing 