01-19-2013 02:14 PM
01-19-2013 02:22 PM
01-19-2013 02:30 PM
01-19-2013 02:50 PM
01-19-2013 11:31 PM
If they are 12 months old, should not be an issue. But as always YMMV
Your scores need a little improvement but since you just paid down your UTIL that may have given you the boost you needed.
Your wife scores needed improvement also, but see what her credit score is once the negative information is removed.
Most banks want a minimum of a 640 mid score, but still a few lenders accepting a 620 mid score, but you will have to hunt one down.
Your almost there and I believe you have a fair chance to be approvable come March when all negative infor from wife's report is removed.