I have put myself on a timeline....I want to be pre-approved for a mortgage loan before 3/1/2014. That gives me exactly 5 months to:
1. Pay $2800 Judgement that was filed 12/2011-- I will pay it before 12/1/2013, then try to get it vacated.
2. Get $3600 MD State Tax lien removed/withdrawn was filed 6/2012- it was based on a 2006 return (they filed it), when i refiled I owed and paid $450
3. PFD $8000 Calvary Portfolio (old Citifinancial loan)-- I will pay before 1/15/2014; would it be better to start a payment plan NOW??
4. Keep sending GW letters to get lates and super old paid collections deleted
5. Make timely payments on credit cards in my wallet (Cap1 Platinum, Cap1 Journey, Target, Victoria's Secret)
EQ FICO is 583 (10-2-2013) FAKOS are in my signature-----I need to get to 640 on all three to qualify for USDA Guaranteed Program.
Am I being realistic??
012019 Fico8/Mortgage Score: 
