The attorney's, both mine & the Sellers tell me I will loose my deposit because I incurred credit card debt and that was the reason for the denial. I bought a home to rehab and used purchases applied to my credit card to pay for repairs and appliances, paint, carpeting, etc. Since I did this it adversely affected my credit score and prevented me from buying another home. My attorney said that this is a way people use credit to avoid buying a home, and because of this I cannot expect my deposit back. My purchases were used to fix up a home and sell it for a profit like thousands of other people do every day. Even though I did not know this would affect my credit I am still held responsible. Any advice would be sincerely appreciated. Thank You.