Hello everyone ; first off thanks for taking the time to read. I know everyone has busy lives.. I currently find myself in a pickle; I have a 590credit score as of (Aug 2015); had some bad medical debt/credit debit just like any other human being that i let get out of control when i was younger. I currently have been saving up plus ; family gave me some money too. I have 15 grand saved up for a home. I live in Tampa Florida i have 2 credit cards which i am current on ; i am a nurse (been at my job over 5 years) so i make around 55 a year; single never owned a home before. I am almost (thank god) done with my car payment i should have 2 more months then im scott free. I owe nothing on with student loans; but i still have some bad stuff on my credit from past stuff collections, charge offs, etc. Now 2 of them should fall off in Jan 2016; but some of them are still revolving; my question is should i wait use some of the money to pay off the old debt? and wait to get a home or should i apply anyway and hope that my big chunk of money could compensate for my bad credit?