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Hello Again! Has anyone had luck with gettting approved with collection accounts on USDA? Do they have to be paid? Baddies include: Judgement in payment agreement 2 payments left. Been paying that for almost 4 years. 2 credit card collection accounts with balances one for 686 and one for 486. 1 medical collection for 133. All from when i lost my job 6 years ago. I have 3 chargeoff accounts with zero balances. I have 14 accounts in good standing with 8 of them being student loans and the only accounts with late payments. No lates within 2 years. Mortgage fico scores are 644, 624, 609.