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Guaranteed original question for the mortgage experts

New Contributor

Guaranteed original question for the mortgage experts

Went through a rough rough stretch 2-3 years ago.  Two medical accounts went to collection.  Series of late payments on credit card, one 150 days late.  several 30 day lates on car loan. Total of 14 lates on my credit report during this terrible year. 
 
 But.......things have turned around.  Absolutely zero lates the last 19 months.  6 accounts currently in good standing.  697 middle score.
 
I've heard that underwriters look at the credit report, not necessarily the score.  SO, that said, does my 697 carry any weight, or will the 14 lates plus collections from that bad year ruin everything?
 
 
4/20/08 Ex 670 TU 655 EQ 668

6/5/08 Ex 726 TU 717 EQ 705
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Super Contributor

Re: Guaranteed original question for the mortgage experts

nothing that you have told me so far will make me think that you would get denied.
697 rocks.for FHA
Retired Lender
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