https://ficoforums.myfico.com/t5/Mortgage-Loans/what-do-I-need-to-do-to-get-approved/m-p/1786554#M108896 My score is 585, I make 36000 a year base but made 41000 last year with overtime I have one collection from 2007 I can pay off and 3 judgments 1 from 2006 and 2 from 2009. The only other thing on my report is a auto loan for $5500 that I have been paying on for 8 months always on time. I have no credit cards or any other accounts. I was looking into either a USDA of FHA loan and I am a first time buyer. What would I need to do to get approved? Sat, 05 Jan 2013 01:28:54 GMT Anonymous 2013-01-05T01:28:54Z https://ficoforums.myfico.com/t5/Mortgage-Loans/what-do-I-need-to-do-to-get-approved/m-p/1786554#M108896 My score is 585, I make 36000 a year base but made 41000 last year with overtime I have one collection from 2007 I can pay off and 3 judgments 1 from 2006 and 2 from 2009. The only other thing on my report is a auto loan for $5500 that I have been paying on for 8 months always on time. I have no credit cards or any other accounts. I was looking into either a USDA of FHA loan and I am a first time buyer. What would I need to do to get approved? Sat, 05 Jan 2013 01:28:54 GMT https://ficoforums.myfico.com/t5/Mortgage-Loans/what-do-I-need-to-do-to-get-approved/m-p/1786554#M108896 Anonymous 2013-01-05T01:28:54Z https://ficoforums.myfico.com/t5/Mortgage-Loans/what-do-I-need-to-do-to-get-approved/m-p/1786894#M108901 <P>Most likely you would have to increase your scores.</P><P>&nbsp;</P><P>Judgments may also have to be paid, and if you pay them try and get them vacated. Having the judgements paid and vacated would most likely give you a very big improvement in your scores.</P> Sat, 05 Jan 2013 03:38:05 GMT https://ficoforums.myfico.com/t5/Mortgage-Loans/what-do-I-need-to-do-to-get-approved/m-p/1786894#M108901 Anonymous 2013-01-05T03:38:05Z