Will these hurt a mortgage app?

HuntingMama · ‎12-02-2012

Had 2 separate bills with same hospital, sent to collection because health insurance didn't pay.

I never saw bills because exH and I separated, he was the insurer so they (hospital and CA) mailed all bills to him. When I pulled CR in Aug 2007, I saw the collection accounts and called him asking him to investigate. He verified what they were for, and he paid the bills since he dropped the ball. (Lucky me!)

CA = Medical Data Systems collecting for local hospital

#1 $291, DoFD Feb 2007, date assigned to CA 07-26-2007, paid in Sep 2007, CR updated paid status OCT 2007

#2 $359, DoFD Jul 2006, date assigned to CA 05-29-2007, paid Sep 2007, CR updated paid status OCT 2007

Both of these are on all 3 CR's.

I have other issues on my CR's, (R-Repo, lates on old joint accounts). If these 2 accounts won't affect a mortgage prequal, I would rather focus energy on other issues. Thoughts? Comments?

Thank you!

HuntingMama

HuntingMama: Dec 2012 = EQ scorewatch 649, TU myfico 649

HuntingPapa: Dec 2012 = EQ scorewatch 625, TU myfico (Nov 2012) 604

sphinx313 · ‎12-02-2012

I'm no expert, but I don't think they will hurt. If they were unpaid, you might have a problem.

Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700

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Shogun · ‎12-02-2012

Send them a GW. I've had good luck with medical CAs.

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
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Jutz · ‎12-02-2012

@Shogun wrote:
Send them a GW. I've had good luck with medical CAs.

+1. Especially given the circumstances. With your scores where they are, you should explore any avenue

Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
Starting total revolving credit: $1100 | Current total revolving credit: $36,700
Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014

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HuntingMama · ‎12-02-2012

Sorry, Jutz. I just updated my siggy. Scores are better now.

I will GW them, doesn't hurt to try!

HuntingMama: Dec 2012 = EQ scorewatch 649, TU myfico 649

HuntingPapa: Dec 2012 = EQ scorewatch 625, TU myfico (Nov 2012) 604

Jutz · ‎12-02-2012

@HuntingMama wrote:
Sorry, Jutz. I just updated my siggy. Scores are better now.

I will GW them, doesn't hurt to try!

nice!!

Thats much better

Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
Starting total revolving credit: $1100 | Current total revolving credit: $36,700
Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014

Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000

Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL