Unhappy With Veterans United Lighthouse Program- Anyone know about breaking the agreement?

Question

We started on the Veterans United Lighthouse program at the end of May, at that time, we had two of our three credit scores over the 600 mark and were told we only needed to gain 19 points on our credit score to be preapproved for a loan.  When contacting them, we had planned on paying off some delinquent medical debt to help our score but they said not to touch it that all we needed to do is open one credit card account and that would probably do it for us... the lady suggested Wells Fargo for the card... and we were rejected and lost points on our credit score.  We did find a card that approved us but then also saw another drop on our score. Anytime we call to try and get direction or answers to questions, she gives us conflicting advice... and now that our credit score fell she says "maybe you should pay down that medical debt"... this is what they told us not to touch when we began.  It's very frustrating.We were supposed to at least be under contract and moving forward by now because we need to move to a different city for my husband's job in August but now she says it will take several more months... we are VERY unhappy with the service (or lack of service) we've gotten there and think it would just be better to handle our credit on our own because all she's done is give advice that caused it to fall. SO, here's my question... when we started the Lighthouse program, we signed an agreement that said something like "if you use the lighthouse program you agree to use us for your VA loan"- so now that we are very unhappy with the program, are we still bound to use them for a VA loan?  I have read so many negative comments about Veterans United since I started myFICO message boards yesterday and this is very concerning for me.  This form I signed was a digital, online form so I don't have a copy (I know, that was dumb of me to sign it- we were recommended to the program by a friend of ours who had a good experience so our guard was down a bit). ANY ADVICE?Current credit scores are now: 586, 602 & 583... rental houses are very expensive where we're moving to and we really NEED to buy but now it seems unatainable. 

Answer 1

Revelate wrote:
Welcome to the forums! If you want to make gains in your score, my first and always recommendation is to do the following: 1) Post all your negatives and ask for help resolving them in the Rebuilding Your Credit forum, there may be some simple quick wins for getting them deleted.2) Post the whole darned enchilada in Understanding FICO Scoring: card limits and balances, loans, negatives, etc; this is for putting lipstick on the pig to optimize an instant in time pull. We're not FICO employees but this forum and one or two other places online are the next best thing when it comes to FICO optimization.  LO's unfortunately often don't know what they're talking about when it comes to FICO scoring, though your LO was right the first time, don't touch those medical collections by simply paying them, if you can't get them deleted they will not help your credit score and might even bring it down further.  The card advice, ugh, there's very few circumstances where that would have helped immediately and there's always a tradeoff involved with opening a new account when we're weighing potential advice on that front. I don't know anything about that particular program but hopefully someone will be able to give you better information on that. Thank you for the advice- I'll give it a try!