Thin credit line question

Thin credit line questionThin credit line question
Josephsit asked 4 years ago

 

 We will be trying to purchase a home with a VA mortgage. We declared bankruptcy in 2012. Since the BK we have not tried to get much credit as we didn’t want to get in that situation again. My wife has a Capital One C.C. with a limit of $ 2,500 with me as an AU. I have a Capital One secured card with a $ 550 limit. On my credit report it has “longest credit line” or something like that and lists it as 16 years. Our rental history has been perfect, in fact we pay two weeks early, our DTI is 25/28, my FICO (as only what Capital One shows) is 666. Will this thin credit line hurt us?

Thanks for any help.

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