Here is the overall picture. Maybe you can advise me if I should apply.
My scores: EQ 492; TU 561; EX 571
I have a victoria secret account that was settled for 190. on my credit it shows settled acct w/balance of 190.00 and recent late payments since the settlement was reached 6/2007. (I've disputed several times)
I have a Spiegal credit card that was charged off recently and assigned to Midland as of 12/2007 the balance is 643 ( I want to pay it, but I am not sure if I should pay now, or wait until after I apply for mortgage)
Credit card account opened in 3/2006. It has two lates reported since it opened - 8/2006 and 11/2006.
HSBC opened 3/2007 late:12/2007; 1/2008
I have student loans that are deferred.
Car loan opened in 12/2005. Late pymts in 8/2006; 11/2006; 2/2007; 9/2007 10/2007 and 1/2008
I have two charged off accounts with 0 balances.
I have collections for 1157 assigned 12/2007
75 assigned 10/2007
3911.00 8/2007 (disputed - old school bill - should've been paid w/financial aid)
96.00 assigned 12/2006
272.00 assigned 8/2003
Should I still apply or pay the loan since the collections were assigned recently and apply once they show "paid"?
thanks for the advice