A Low credit score is not the end of the world, and knowing your credit score is a great place to start. One of the benefits of qualifying for a VA loan is knowing that there are answers to your questions and that there is a lot of advice available for those who diligently seek it out. The hard part is sifting through that advice to sort out the truth from the misinformation. As information as with all things in life, it is always purest at its source. So I suggest finding out from the VA what the credit score requirements are, and obtaining your credit scores from all three credit reporting agencies. Once that is accomplished, research credit, find out how to raise your credit score as well as how to protect your credit. Finding individuals with great credit and asking them if they would teach, mentor, and advise you on how to build, maintain, protect, and use your credit wisely is also a great idea. King Solomon, the wisest man on earth once stated that "plans succeed with many advisors." Thus indicating the importance and wisdom of having multiple advisors to help you successfully achieve your plans.