Established Member
Posts: 19
Registered: ‎08-16-2012

Advice please!

So after  coming from a 533-37 range for all 3 scores in April to scores in my sig as of 8/12. By the time I'm ready to apply for a Mortgage in Dec/Jan my scores should be in the 620-50  range. My question is I have 6 lates for SL from Aug 2011- Mar 2012 due to me having to leave schoopl while in deferment and not knowing that they came out when they did. Everything with that is back on track and the only negative things on my report now are those lates. Should I try an GW them off or just leave everything as it is when I take my report and score to a broker and see what they say? I would be doing FHA.  

Starting Score: 530's for all 3 CRA's
Current Score: EQ 593 TU 609
Goal Score: mid 700's

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Frequent Contributor
Posts: 453
Registered: ‎01-03-2012

Re: Advice please!

No lates for 12 months. I would goodwill.
Cap1(sc) 550, Cap1 750, Walmart 750, Home Depot 3000, Amazon 700, US Bank 1500, Childrens Place 1100, JC Penney 700, Old Navy 700, PayPal 700, Torrid 700, Lane Bryant 150, Avenue 500, OSP 500, Amex Blue 2000, Disc it 1000, Walmart Disc 2200, Old Navy Visa 1700, Mortgage 09-2012, Car Loan 03-2013

Current Score: EQ 665 EX 687 TU 695

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Established Member
Posts: 27
Registered: ‎05-30-2012

Re: Advice please!

I agree with London. We are doing FHA and were told by 4 different lenders that there could only be one 30 day late within the last twelve months and absolutely no 60 day lates. Try to goodwill them.

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