Key Takeaways The VA itself has no minimum credit score — most lenders require 580–620, but this threshold varies and a denial from one lender doesn't mean all lenders will say no. Credit repair services don't do anything you can't legally do yourself — disputing errors, requesting goodwill deletions, and negotiating pay-for-delete arrangements — but they save significant time … [Read more...] about Credit Repair for a VA Loan: What Actually Works in 2026