I've determined based reading the other posts that when attempting to increase my FICO and get a mortgage, consolidating my massive amounts of student loans would initially drop my scores, so I'm gonna hold off on that. But my question relates to those that I have in forbearance. If they are all in forbearance right now, will it help or hurt my FICO if I took one or all of them out of forbearance and began making payments? I'm also concerned about my debt-ratio, which is impacting my credibility with the mortgage companies.
Hoping for some direction!
