Qualify for Mortgage

[Anonymous]

I have put alot of work on increasing my overall Fico scores over the past two years and I have been perfect in paying my revolving lines on time and my car installment loan on time every month. utilzation is under 10%. I am planning to apply for a mortgage in April or March 2016.

When I sold my house back in May of 2015 i was told by a lender that I have to have 12 months with no lates on the mortgage to qualify. My e-spouse was late on the mortgage during our seperation which was a problem. The house sold very quickly and no-forclosure thank god. 

My Fico 3B Mortgage scores are as follows as of today, 2/2/16:

Experian Fico 05 = 611

Transunion Fico 04= 679

Equifax Fico 05= 650

My Fico 08 Scores as of today are 656

[ezdriver]

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@Anonymous wrote:

I have put alot of work on increasing my overall Fico scores over the past two years and I have been perfect in paying my revolving lines on time and my car installment loan on time every month. utilzation is under 10%. I am planning to apply for a mortgage in April or March 2016.

When I sold my house back in May of 2015 i was told by a lender that I have to have 12 months with no lates on the mortgage to qualify. My e-spouse was late on the mortgage during our seperation which was a problem. The house sold very quickly and no-forclosure thank god. 

My Fico 3B Mortgage scores are as follows as of today, 2/2/16:

Experian Fico 05 = 611

Transunion Fico 04= 679

Equifax Fico 05= 650

My Fico 08 Scores as of today are 656

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I think you'd be ok with a letter of explanation. You won't know for sure until you apply.

[StartingOver10]

Congratulations on getting your FICO mortgage mid-score up to 650!  

All of your hard work has paid off....