Posts: 7
Registered: ‎06-22-2009
Mortgage Pre Approval Help

Had lender pull credit report today and the scores were as follows 


EFX 631

TRU 625

EXP 568


The only bad things on my credit report is a 90+ from student loan because I thought it was in forebearance and it was not and a collection that I paid 1 week ago. The collection was a paid in full settlement/deletion but it wont send me letter stating as such for 21 days. Will this help raise score to at least 640 middle score. Any help would be great!