@Anonymous wrote:Update - I got final approval for my loan yesterday! I just had to stay on the line with Credco while we called the card companies and verified balances were zero (one was about $50 but they weren't concerned). Now I just have to walk the straight and narrow and continue to keep my finances in order!
Just over two years ago was the start of my journey out of the credit crapper - I had 29 collections (mostly very small medical) and multiple charge offs - so I am proof that with time, patience, and a little money you can get out of a huge,huge mess.
@Aduke1122 wrote:
So glad it is gonna work out fine for you Op
I am very happy for you that things worked out in your favor...congratulations on your new home...keep up the good work!!...
I AM A HOMEOWNER!! It's a far cry from my mortgage scores not even quite in the 500s,wondering when I would ever dig my way out of the deep hole I was buried in! Thank you MyFICO boards for helping me along the way. 
Best of luck to those still working their way up out of a huge and scary mess!