AUS approval is really going to depend on income source, stability of income, assets and assets for reserves along with the proposed DTI for your transaction along with the type of loan program just as much as your credit score.
We'd really need to know things like income amounts and purchase price to calculate those figures, but an AUS approval with > 580 would be expected for FHA (> 620 for conventional) if there are no collections, liens or judgments in your credit and you have sufficient funds for down payment and stable income that can be verified.
If you realize that "predicting" the results from the Credit Reporting Bureaus algorithms is complicated since you have 8 open credit card / revolving accounts to go along with a handful of derogatories, I'll give you a couple things to consider----generally speaking you want to have lower utilization ratios reporting to the bureaus on 2-3 revolving accounts. I don't think you are being penalized (credit score-wise) for having four accounts reporting a zero balance and four reporting reasonable balance to limit ratios.
You will likely have some better scoring results once you're derogatory payment histories pass the 24 month threshold however, so by all means keep paying each and every account that reports to the bureaus on time. (See if you can get a Pay and Delete agreement on that Utility collection of $107 while you are at it) So determining how quickly your score will rebound from late payment activity is going to be tough to predict since we don't know the date of all those lates on the auto loan. Keep in mind that multiple lates and derogatories simply compound and "layer the risk" of approving you for a loan when the AUS systems are deployed which is another reason for anyone (including myself) to forecast your scenario.
I'm also a big fan of paying off student loans with such small balances like this if possible simply because it allows you the consumer to simply focus about moving on to the next level of your life. It's just my own theory that your credit score profile will to go to the next level once those are paid, but you are certainly making good and reasonable progress and as long as you keep up the good work managing your spending habits and payment behaviors you will be fine.
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Licensed NC Mortgage Loan Originator
