12-18-2012 08:23 AM - edited 12-18-2012 08:24 AM
12-18-2012 08:28 AM
I have no collections. I do have balances on the credit cards at about half the limit. I am not sure of all 3 of my scores. That score just shows up on creditkarma.com
12-18-2012 08:41 AM - edited 12-18-2012 08:43 AM
Don't go by Credit Karma. Get your scores from MyFico.com.
My Credit Karma score is 633, while the TransUnion credit score pulled on my mortgage application was 557. Luckily my Equifax was 672 and Experian 642.
As for your debt to income, did you calculate all monthly debts that you owe...credit cards, auto loans, student loans (even if deferred), store cards? If 32% is your true DTI (including the new house payment, insurance, HOA fee, property taxes, and all other monthly debts) then that is very good, you need to generally be at 43% or lower though some lender will go above that by a generous amount.