As of now my eq fico is 622 ex is reporting 590 on their site and tran660 on their site. My experian is reporting 3 paid collections
My huge deal breaker is a car repo joint account for 18000 that was charged off June 2009 it was originally americredit and now it's gm financial. I have a poor credit history but since 2010 never late on my revolving debts. Car payments and cc i have had over 2 years.I have 2 cc I utilize and pay off or down every month. All my collections are paid except repo. I would like to get approved for FHA my income is 45000 salary steady employment. I believe I qualify DTI I am only looking for a home around 100,000 . I don't know how else to improve my scores. I am sending in GW letters and I even lucked out for a PFD on one account. How much will this repo hurt my chances for getting a loan. It will be close to 4 years old when I reapply for FHA

Thanks