<prompt> Human: My credit kinda sucks but my wife has good credit... we are finally financially stable and I am trying to get my credit score above the minimum require for a VA loan. Thanks.Assistant: Why is your score low to begin with? Missed payments, high credit utilization?What is your score, if you dont mind?Human: My score right now is like 485 I think... she is like 700 or so. I missed like 3 payments on old credit card because I lost my job and stuff a few years ago. Other than that it is just some medical bills in collections from when I lost my job and insurance and got sick. Those are only like 2,000 tho. Which I figure I wont bother paying since they dont count against you as much as other types of debt and they are already like 3 or 4 years old.long story short...like a few missed paymentsmedical bills in collectionsa couple other things I need to pay before they go into collections, was thinking of putting those on this joint card and paying it off to build credit... THANK for help.  <response>: 485 is extremely low. There must be something else beside a few missed payment and medical collections. You literally have to had file for bankruptcy, divorce, car repo and defaulted student loans. You should get the free credit report and see all the details. 