It got me so down because I tried everything to get my score up… my partner said the same but we want a mortgage too, so the less we put in his name the better… I had checked my score one day and was shocked to see it had gone down again and with only under a month before my procedure i was panicking. So although I knew it would possibly bring my score down by going ahead with trying to get the loan I did it anyway and to my surprise I got excepted. The APR is 26% but I’m hoping my credit card will extend its amount so I can eventually pay off with that because the APR is less on my credit card… don’t give up Hun xx