03-18-2013 06:53 AM
Hi all. Any suggestions for a mortgage loan with a 619 fico score? My wife's score is middle score is 619 and min is 689. She has 8 paid medical collections on her credit report from a really stubborn CA. Everything else is fine except one high utilization that hasn't reported yet. Here is how it looks right now.
Cap 1 $50 $750 limit
Cap1 $50 $750 limit
Best Buy $63 $400 limit
Walmart $513 $700 limit Paid down to $63 dollars waiting to reflect on CR
Sallie mae 2 90+ day lates from a deferment paperwork mix-up(emailed customer advocate center last night)
8 paid medical collections.
I was wondering if a CLI on the cards will help the score.
Pulling my hair out here.
Thanks in advance for the suggestions.
03-18-2013 07:01 AM
Paid the CA. We didn't even know we had them until we pulled the report last year. That's when I found this wonderful forum. After reading the information here I was able to raise my score from low 600s to where they are now but my wife's have been plummeting.
03-18-2013 07:28 AM
You may just need time to let them age a bit more.
What you could do is call the hospital, explain that you are buying a house and the collections are hurting. Sometimes if you get a cool person they can contact the collector to have them deleted.