<prompt> Human: Hello reddit,My wife 22 and I 23 are newly married and freshly graduated kind of. We are trying to purchase a house in the next couple of months and we want to make sure everything is in order. Her FICO is 550, mine is 604. Her credit score is low from a medical bill that was never paid 5 years ago and no other credit history. Mine is fairly low due to a few missed car payments. Towards the end of college we went through a period where we were dirt poor. Also no other credit history. We both make around 210K a year before taxes currently. So my question is how important is our FICO going to be if our DTI ratio is fairly small plus we are also planning on a conventional 30 with 20 down, will we even qualify? Thanks!  <response>: Those are terrible numbers... they can influence the rate youll get and theyll rip you off w such low scores... you may see decent rates advertised, but they are not for everyone.. So all in all, very important... 