No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
My Middle FICO is 740+ but my wife has 2 small collections, 1 for $100(old cable bill) and the other for $378(old electric bill). Both are about 5 years old....What would happen if we went for a 30 yr fixed conventional loan with 15% down on a 400k home? Would she be asked to pay those collections off?
Usually not. The lender will use the lower of the mid-scores generated by the two of you. If you go to a big box type bank, they are more conservative and may require payoff of those two small collections.