How long after lates???

[SupraTurbo2jz]

Hello all....just a quick question , I have a series of lates from sally mae due to a forebearence coming off and I didn't catch it. They are showing 1 90 late and 5 120 days late. now I've made all 6 on time payments since then and all payments are on time prior to my screw up so my question is how long do I have to wait before I can apply for a mortgage? My score should be going up here in a bit because I have paid a state tax lien which is still showing open and I have 2 irs liens that will be removed on the 15th. those are the only baddies I have left well and a paid medical but doing the hipaa process on that. Any insight would be greatly appreciated.

[thankfulheart]

From what I've been told, 12 months of NO lates.  ZERO, zilch.  Not a one.

as far as the liens go, paying the lien doesn't do anything for your scores, it just sets the date the clock starts ticking for it to drop off. As long as you have one still showing on your credit report, chances are, the IRS ones coming off aren't going to help much.  I have a paid Ohio lien and had an IRS lien.  I gained exactly 0 points when the IRS dropped off.  I cried.

[SupraTurbo2jz]

well the IRS liens are in repayment status and they agreed to remove the liens off my report (withdraw from court) as per the new program One was from 2011 and one was from 08. As with you I have an ohio lien thats paid but showing open...I've heard it both ways some say thier points increased some say not so much guess well see in the next 30-45 days