My wife and I recently decided it was time to buy a house. The mortgage guy pulled our credit, and I was shocked at my score. When he pulled it, it was 536. We had a BK in 05, and have been careful since then to help rebuild. I pulled all three, and have been taking a look at them. I have disputed a few things on my own, unfortunately (not having read these forums yet) paid off a couple of old under $150 collection accounts. My score now sits at 567, and I need to get to at least 620 to get a home. I want to ask some advice on here, but what can I post on here to give you enough info to help me. I mean, what specific things would you need to know. We only have one CC (Orchard) with a limit of $300, and the balance is like $60. We do both have school loans, but both are in forbearance. We only have a couple of collection accounts that are medical. We do have some lates from when I was between good jobs, but have been very good about them since. It seems almost all of my negative accounts are a result of the BK. We have money that we have set aside to take care of what we need to to get our score up, but I don't know what to tackle first. Also, I am just learning about all these abbreviations, and want to know who I should send what letters to (PFD, DV, GW and all those other abbreviations.) Thanks so much for whatever advice and help you can give.
