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If I was trying to buy a farm/ranch how would I get the loan with my credit score at 637 and 599 in dept. I have never bought anything on time and I keep getting turned down for credit cards. Even the secured card what can I do. It just said based on your credit score at this time we can't give you one. I'm Disabled and get minimum of 800 a month but it's steady income. I work part time as a Manager and have been here since 2013 and have been trying to get a Farm/Ranch.  Who will help me complete my dream.....