Reply
Established Member
JennSH
Posts: 19
Registered: ‎08-16-2012
0

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


Take the FICO Fitness Challenge
Frequent Contributor
LondonMassey
Posts: 453
Registered: ‎01-03-2012
0

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


Take the FICO Fitness Challenge
Established Member
mikki3398
Posts: 27
Registered: ‎05-30-2012
0

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.


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}