Mortgage Loans

[Target1212]

So I'm trying to figure out when I can get a mortgage. I was doing soo good them BAM a collection I have no clue about hit my report. I disputd it and am hopeful It will come off. Does the year mark for a mortgage start when it was assigned to collections or Dofd? 

[laronda134]

I was told the day it was assigned. 

[bigboihill]

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Target1212 wrote:

So I'm trying to figure out when I can get a mortgage. I was doing soo good them BAM a collection I have no clue about hit my report. I disputd it and am hopeful It will come off. Does the year mark for a mortgage start when it was assigned to collections or Dofd? 

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It goes by the most recent delinquency.  So if your most recent delinquency was 12 months old, then you would have a year of good payment history.