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I had a bankruptcy discharged 12/05, and am still struggling to increase my credit score in order to buy a house (not very soon, I suspect). What would be the minimum score I would need?
Also, I am about to start a divorce, and I wonder how long after that is final before I can realistically get a mortgage?

I have excellent job security after 5 1/2 years, and decent income. I do have plenty of student loans though.

And if I pay all of my bills at the start of the year, how long would it take for my credit score to improve and what can I do to establish more credit with excellent standing( like a credit card)? And what kind?

What does my credit score have to be to buy a house in Texas? I am trying to buy a house that cost 97,000 and I make 5,000 a month. Does a credit score even matter?

I am preparing to buy a home within the next six months or so. I need to know what my credit score needs to be in order to qualify for a decent loan.