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This might seem vague, but what do lenders value more...your score or the items on your report? For example, a general mortgate rule of thumb has been 620. Are they looking only at your score, or can they find a score of 650 and see something in your report that disqualifies you? What about other lenders like credit cards, landlords, etc...I'm just curious and really trying to figure things out.
it depends on the lender. it also depends on your favorite football team. for instance, eagles fans usually get declined no matter what.
HAHAHHAHA that was classic! I cant talk smack though as I am a Bills fan. But to answer you question a little. As said before it depends on your lender, but if you have a score of 650 but one of their guidelines is no lates in the last 12 months you MAY have some difficulty, and might have to write a explaination letter. Also the type of credit that you are applying for plays a role in all of this. i hope this helps. GO BUFFALO!
Also, if you have any unpaid COs or collection accounts you will most likely need to pay them off before you meet the lender's underwriting standards.