Re: student loan default
10-08-2012 10:55 AM
Ok so here is some more info I was able to get. He has 8 total student loans. They all list multiple 30, 60, 90, and 120 day lates on his credit report. The last ones on each are from 4/2010. Since then they all are green and say current/closed. He consolidated them all into 2 loans about a year and a half ago and those are in perfect standing.
Our combined DTI is 27%. My individual DTI is 23% and one of my scores is 649. His DTI is around 30% and one of his scores is 626.
We plan on buying in 6 months.