Hello,
I am new to this forum. My goal is to get a mortgage loan for a home in about 7-8 months. This will be the first home that I would be purchasing. I would like to see where I should start on my report. My FICO is 517, EXP 574, EQ 562, TU 578. My goal would be 650. My DTI is 0%, Available credit is 100%.
Here is what I have.
Calvalry Portfolio 621.00, 2/1/2012, unpaid collection.closed. (I don't know what this debt is for, how do I get OC info?)
National Student Loan 0.00, 1/1/0001 (that is the date they have), paid collection-student loan, open. (I do not have any student loans outstanding)
Security Credit System 2074.00, 6/1/2012, closed, unpaid-collection. (this was a online school that I did not finish enrolling cause I wasn't decided, They mailed enrollment papers and I did not return them, I didn't take class either they also pulled my credit report 2 times in the last 2 months, I don't understand why)
West Bay Acquisitions 58.00, 11/1/2011, 1 CRA says closed, the other says open, collection. (medical)
2 medical no CA info, 200.00 each, 8/1/2012, medical unpaid.
ACS/Wells Fargo 0.00, 6/1/2007, student loan assigned to government. (it also says more than 120 days past due 1348.00) ..........I guess I need to see who OC is right?
American Honda Finance 0.00, 7/1/06, paid was a charge off/bad debt & placed for collections & skip $21,345.00/paid profit and loss/account paid in full was a charge off ( on our very last payment we were late about 3 weeks with a balance of 240.00, We called paid it received receipt and title, we paid this vehicle for 6 years)
Apollo Group INC 0.00, 4/1/2007, bad debt place for collections & skip, paid charge off unsecured (this was a University of Phoenix account, It was paid in full and I have the receipt)
Medical 188.00, 2/1/2012, closed
Franklin Collections SV 0.00, 7/1/2007, account paid in full was a collection, closed
HSBC Bank 569.00, 2/1/2007, closed, charge off. (the account numbers on all 3 CRA's are different)
HSBC Bank 0.00, 2/27/2007, charge off, closed, (it also says paying as agreed, credit card lost or stolen, I did loose a card and ordered another) listed on TU 3 times.
JAX Elec 394.00, 4/1/2008, closed, charge off
NCO/FIN09 705.00, 8/1/2010, closed
That is all. My car loan from American Honda finance has been paid in full and I have 6 years of making payments, I am concerned it shows charge off almost 21000.00 and I know it was all paid, could it bring my score down? Any help would be greatly appreciated. Thank you very much.
Jenn
