618 middle score and frustrated!!!!!!!

[kaylord84]

Let us know how it goes

[Anonymous]

My apologies I'm on an iPhone so I don't see the info at the bottom and I guess I missed the other info trying to read at 4 in the morning.Hope all goes well for you

[Anonymous]

Thanks Harley0123... Me too!

[Anonymous]

Will do!

[bdhu2001]

You've been given info on contacting a lender and you've stated that your Util is good.  Are you allowing only one card to report a balance of 10% or less with all other cards reporting $0? Utilization is per card and overall.  I know it's all over the forum, but thought I'd mention it just in case.

[Anonymous]

I have my Discover card balance reporting $67. My limit is $1900. My others are 0 balances but I'm using them just enough to keep them active. My total credit limits on all cards is $5300

[Anonymous]

Have you contacted the your auto lender to try and get the late payment(s) removed? That would surely bump you over the 620

[Anonymous]

Yes I have. Several times. They won't budge. :/

[Imperfectfuture]

---

@Anonymous wrote:
So here's my dilemma... I have been gardening and monitoring my credit since the beginning of last summer. My goal was to start the process of buying a home next month. I just received my new 3B report and my middle score is 618 on Equifax. Is there a chance a bank will approve a FHA or USDA loan with that score? My DTI is 9%... There's nothing on my report that I can fix to bump my score. All my credit cards are current.. never late and in good standing. My student loans are current last late pymt was in Jul 2013. Car loan is nearly paid off.. Only $2500 left on the loan. Last late pymt was June 2014.. No judgments.... 2 paid collections. Any ideas what I can do or who I can apply with that will approve me? Help.

UPDATE: So I was so wrong about my middle score. It's actually 625! I am qualified and preapprived for a FHA loan! Super excited!!!!! Thanks to all that commented and the great advice. I'm gonna be a HOMEOWNER!!

---

I would have put this at the end as well, only way I knew it was edited is from CL status.  Congrats.

[kaylord84]

Congratulations let us know how it goes