Hi there - new to the board!
In December my husband and I are buying the house we're currenting renting. My FICO score is 656 and his is 720. We're working on paying down on some revolving debt prior to securing our mortgage.
I have a question about my credit report...back in 2003 I had 3 charged off credit accounts that were sold to collection agencies (2 credit accounts were Chase, one was NextCard). I would like to be able to settled them but since I've moved and the collection agencies haven't found my new address I have no idea who they have been sold to. Any ideas how we pay those off?
Also...if my husband has the higher score does it make more sense for him to just get the loan? I make about $5,000 more than him a year.
Thanks for any advice you can give me!