Good news. The clinic pulled the account, as they recieved the payment the same day they sent it to collections. It won't be on our report. Whew!!
We are getting a mortgage through a local bank, not any one national. I always tell people to shop around their local area and ask the banks their minimum score requirement. I found several banks with a 580 midscore needed where I live. I also found many banks that will do a loan regardless of your score if you have 10 or 20 percent down. Good luck!
Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Wow.. relief!!! I also agree to go local if possible. I did with my mortgage. They keep 95% of their loans in house. Which means I'm 5 minutes from where I took my loan out. I have a friend that got his at the same time, about a year and a half ago and it's been sold twice. I like stability.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Thanks Shogun. I feel a million times better. Now if I could just get that same agency to fix their bs reporting of the other accounts I paid in full I'd dance the jig. That and that dang capital one card that hasn't updated in 3 months on EQ. It's no wonder scorewatch does not give me any updates. Those other scores have gone up, as of today, 152 points on TU and 161 on EX. I guess I should just do the jig over those increases. Thanks again for your advice.