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I recently had my last collection removed from my credit report, I have one credit card (year old) with a $1,000 limit, no late payments, and I only charge up to $100 and pay it off. I have a 60 day late from 2 years ago, and thats about it. My last inquiry was in January for AT&T, I got a new cell phone. I haven't checked my FICO scores yet, but I intend to soon.
I also have $2,000 for a down payment, but I'm willing to save more.