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Hi- If anyone can help me out with this situation, I would appreciate it:
My Scenario:
First Time HomeBuyer
Income: Approx $75k annually (sole income)
Employment History- 8 years with current employer
Rental history- 7 years in current address, no lates
Down Payment: Up to 10% of purchase price
Score: Equifax depending on day of the week 519 - 579
Experian: 566 - 578
Transunion: As of today: 588
I have been paying and have paid all collection debt that was appearing on 3 reports due to divorce. Currently, I have 1 collection that has been paid, but reports have not updated yet (Transunion). My reports are showing 3 tax liens, which have all been released and I have the tax releases from IRS for all 3. My student loans total approx $10K and are in rehab state, have letter from creditor that payment is current and will be out of "default" in December 2009. Literally, I have been cleaning my credit up for 2 years now paying collection/bad debt off, with my scores not improving. I have 2 current retails credit cards with balance of 30% of credit limit. One major credit card that is current with a balance of 30% credit limit. One car loan that is current and credit history for 16 years.
I have my current reports as of 8/24/09 and am really wanting to qualify for the tax credit.
Any ideas, suggestions, comments would be appreciated!!
paying own the revolving would likely do you more good.....
paying old medical debt can hurt as much as it helps.