Okay, here is my situation. I have been working on my credit for over a year. I have paid all collections, disputed old collections and they have been deleted. I had one last collection that I just paid last week. The only thing that I have left is a judgment that is suppose to fall off 4/09. We went looking for homes today and found one that we really like. So, my question is; do I wait for the judgment to fall off in 4/09 before I apply for the mortgage? I'm so scared to apply now and they turn me down because of the judgment is on my credit. I also paid all of my credit cards to zero last week. All credit has been clean everything paid on time for the past 21/2 years. My goal is to have everything as clean as possible to eliminate my stress while waiting on the approval.
Help..what should I do???
