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I had 1 LO tell me if there was a collection on my CR and it wasn't paid off then it would be counted against me as debt. But from what I understood I didn't have to pay it off. SOooooo I called another LO today because I plan on shopping around and she said it will have to be paid off before closing. Is this just the difference in Lenders? I have 2 CO left..... 1 is for $1,600.00 and just showed up. It was a stupid Tanning Contract for 2 yrs. UGH....and the other is $1,700.00 and I am disputing it because it was a CC that fell under a FTC Court Ruling. Oh and i have a unpaid tax lien but it's wrong...well they have the wrong amount. Any info is appreciated.
Cheryl
Bump
From what I been reading on here and my personal experience.... Yes it depends on the lender. I just had a lender tell me they take anything over a 600 but when we applied at another lender they wouldn't take anything over 620 with conditions but prefer a 640.