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I am ready to purchase a house, got my score up to a little over 660 now. Only problem is an old cell phone bill collection was i guess sold and placed with a much newer date Aug 2012 ( is this not illegal?) I have an old reports i can show creditors from 2010/2011 with same account already in collections. Will this take away from what otherwise has been a very good recent credit history.
BTW the charge is under $1000 (785)...looking for FHA
Spoke with some lenders and I do not think collection is going to be a big deal. However even though I pulled scores in the 660-670 range, lender only pulled a 632. would I still be able to get a loan approval, my credit profile is pretty solid.
BTW paying collection would not be a big deal. Two lenders (both brokers) still got me pre-qualified, but I don't want to waste my time or get hopes up, if deal will eventually just fall through.