I hope that someone is kind enough to pass along some educated advice to my situtation.
I'm working on trying to get into a house.
I haven't bought anything on credit for over a decade so all blunders from my youth have fallen off my credit report.
All I have on my report is my student loans. I'm 7 payment into rehabillitating them; 9 needed. (20K still owed 14K payed down)
In december I qualified for an auto loan for a 09 Car 23K-ish (zero down - 21%), I accepted I put 2.5K down sign the laon for 72 payments of 423 (12.71%)
I made 56K last year should make 60+ this year, 2.5 years with this company (job is solid)
I've tucked 26K into my 401K past 2.5 years
I'd like to buy a house...
Scores
EX-617
EN-607
TU-609
My two car loan payments haven't been reported yet.
I'd like to take advantage of the 8K rebate but with the rehabillation probably not clearing up my scores until may-june I'm not sure it's worth it?
