So I've monitoring these forums for a while, but now I'll ask for help.  My marriage is in a terrible place due to finances.  My wife has asked to split finances and has done it.  now we are paying things seperately.  This is where my credit is and I want to know the quickest way to 700 scores.     110,000 student loans still in deferment 225,000 mortgage loan, 17 lates, almost foreclosed, but recovered with job bonus.  Paid on time 12 months since 10/2014 135000 mortgage loan forclosed in 8/2013 8000 judgement from EFedcredit union for charged off credit cards ( nothing paid yet) since 10/2014 )  My credit card is reporting as a Charge Off but every month and I think this is also dragging my score???   1200 BarclayVisa paid on time since 3/2011 23 other credit accounts with spotty lates here and there.  Now all current and on time 12000 balances on credit cards, all maxed out (plan to pay off in the next 30 days with bonus from work) will keep zero balances after that.     4 medical collections totaling 4000 with the most recent being October 2014.  Where do I start and what do I do?  Is it realistic to get to 700 in a yea   FICO 8 scores 600 transunion  586 EQ   608EXP ... View more

So I've cleaned up my report real nice except these two charge offs which were paid in the last 2 months in the amounts of $4000 and $3000.  Disputing the accounts through the credit bureaus has not worked since all the creditors due is update the last date of activity whihc hurts my score more.  Goodwills have also been unsuccessful.  So now I'm stuck with two charge offs(paid) keeping my scores in the 600s.  Does anyone have any other suggestions or is time my only friend? ... View more

so I've applied for my second home as an FHA.  My first loan is conventional and I no longer live in the home and am renting it out.  My broker says that they count 75% of the rental income as additional income and that I should still qualify for the second home which I'm going to use as my primary.  I got a preapproval and have submitted an offer, home appraised for 245,000 offered 236,000, so now I have to wait for underwriting.  I haven't been able to get a good answer on what goes into this process only that it takes 5-10 business days.  I really need this to go through can my loan still be denied or are my chances good?  My broker says she submitted the application to one lender and that everything looks fine.  She seems so passive even though I'm anxious. Has anyone had this experience?  Should I be worried or confident? ... View more

credit union approved me for a 1500 credit limit after I took the suggestion of many here and went to them instead of a big bank.  I had been denied by cap one, chase, and hooters.  Really puts a good taste in my mouth that someone manually looked my information and talked to me.  This is how all banking should be, personal and considerate of each individual.  Anybody have any suggestions for when I should ask for an increase.  I was thinking 1 year.   ... View more