Since debt ratio is such a important factor that determines your eligibility for a VA loan it may be a great idea to concentrate some time and effort to repairing or improving your credit. The goal is to deal with problems in your credit history that may hinder your opportunities rather than enhance your VA eligibility.

Certainly, it is recommended that you speak to a credit counselor to find the best strategies for producing real results and strengthening your credit rating. There are some basic steps that you can take to increase your chances.

High interest debt sources like credit card should be tackled before moving on to lower interest loans since they can have the most impact on your credit rating. Focus on eliminating as much credit card debt as possible. You will start to see real improvement on your debt ratio if you can limit how many cards you have and keep that single card paid regular for a half a year or so.