Veteran Affairs loan approvals are determined by the borrower’s recent credit history in the past 12 months. So if you have had some credit issues in the past, but have been on time with your payments in the past 12 months then there is a good chance you can get approved.  If a credit issue did recently occur due to a situation out of your control, then you may be able to write a letter of explanation which an underwriter will review and consider in making the approval decision. If you have questions or concerns about your specific credit situation the best thing to do is contact a VA Specialist who can help you assess your situation and determine the best route to get you approved for a home loan. is not a government agency website or affiliated with the Department of Veterans Affairs. has relationships with VA Loan Specialists who work for VA approved lenders. may share your information with these trusted affiliates in order to assist you.