I am trying to work hard on my credit for a home loan. Here is the deal. Current scores are 600(TU), 593(EXP), 571(EQ). I need a median of 620 for home loan. I have five collections listed below. I have GW all but have got 3 back saying they will delete them. What kind of increase should I expect. I know a lot depends on other credit so I have also listed them below. Also any other ideas would be fantastic. I have until March 2011. I also have SW. Thank You!!!!
Collections High Balance Date Open Date Rep.
Report Inc 144 0 8/09 3/10
Report Inc 36 0 8/09 3/10
Opt Rec 101 0 6/09 5/10 Will be removed in 9/10
Opt Rec 479 0 6/09 5/10 Will be removed in 9/10
Opt Rec 9 0 7/09 10/09 Will be removed in 9/10
Baddies
HSBC/ TAX 575 575 1/07 PFD DENIED
Reg. Accept. 7424 3924 9/02 DOLA 12/03 REPO CHARGE OFF
Ford Motor 8608 0 3/02 DOLA 1/08 30 (30 day) late payments. Divorce but in my name. Didnt know until to late. Tried GW but no go!!
MCM 805 893 2/07
Good
Car loan 12229 9756
Car loan 11627 9244
Student Loan 13332 7542 this is totals from 6 accounts
fingerhut 100 0 NEW ACCOUNT
Exxon 200 55 NEW ACCOUNT
