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The sheer trauma of losing the roof over one's head can lead a person to behave in irrational ways, and in at least one case, it led to potential criminal charges against a foreclosure attorney. Can you buy a house with bad credit? If you have a credit score lower than 500, you may find it difficult (though not impossible) to find a lender. As you begin, be sure anyone who should be part of the conversation is involved, including any siblings you have.