<prompt> Human: Husband and Wife. Kansas City, MO area. Her credit score is 527, apparently shot because she forgot she had another student loan that she wasnt paying. This has now been consolidated via her student loan provider. Aside from that everything is up to date.My credit score is 627. Foreclosure in 2017. Lower because of excessive inquiries. Foreclosure is only other negative on my report. Usage about 15k.Income is a non-issue for me. Income is a semi-issue for her.She would be a first time home buyer. I am not see foreclosure above.Were sick of renting. Is there anything we can do? Where can we even start?Edit: The foreclosure resulted from me taking a job out of state, the renters trashing the place, and me being unable to solve the problem of being 60k upside down and 1500 miles away.Edit 2: Reality considered, it looks like were about two years out from buying.  <response>: Not in the immediate future, no. Work on those credit scores, first. 