Established Member
dciples
Posts: 24
Registered: ‎10-08-2012
Will credit card late payments keep me from getting a mortgage?

 

Specifically:

 

Three 30 day lates and one 60 day late; with the most recent 30 & 60 back in June and July.

 

I have since started working on getting my credit right. Since July, I have been on time and have paid down my credit card from over $700 down to $23 that has a CL of $320. My Cap 1 card will be reporting tomorrow 10/10/12 at a utilization of >8% from last month which it was reported at 104%.

 

Side question:

 

Based on the numbers I provided about my utilization, will that boost my score up? and what is the typical/average number of points?

Starting scores 8/23/2012: EQ-526; TU-506; EX-548
Lender pull 10/11/2012 EQ-569; TU-531; EX-560
Lender Pull 11/5/2012 EQ-584; TU-598; EX-559
Lender pull 1/22/2013 EQ?; TU-607; Ex-539
Milestone 1: 620