"Bad credit" is not specific enough to judge whether you can qualify for a VA loan or not. Factors such as when those events took place, whether accounts are charged off or in collections, and whether reasonable explanations exist all factor into a VA loan approval. In addition, many lenders place score restrictions on VA loans, even though VA has no minimum score. For instance, I just closed a VA borrower with a 601 score who'd been declined by several other lenders. He had a short sale, charge offs, etc. The automated VA underwriting portal said his loan was a "refer/eligible, meaning a VA underwriter had to review every detail of it. Most lenders don't do manual underwrites (which is what's required in that case), but I do, so was able to get his family into their new home, So "bad credit" might/might not keep you from obtaining a VA loan. Need more info? I write loans in all states, feel free to contact me through my profile.