The Department of Veterans Affairs doesn't set a minimum credit score for VA loans, but lenders typically do.
VA loan borrowers need to meet minimum service requirements set by the VA, as well as minimum credit requirements set by their lender.
VA lenders that accept low credit scoresAs you prepare to apply for a mortgage, look for lenders that have low minimum credit score requirements or are willing to work with borrowers who have rocky credit histories.
If you currently have no credit score, you may be able to use non-traditional credit with certain lenders to prove your creditworthiness.
Lowering your credit card balances will also decrease your credit utilization ratio, which can increase your credit score.