Okay I have been posting recently because I am looking to get a pre-approval. I spoke to two different loan officers and one pulled my credit and advised that there was nothing on the report stopping him from giving me a loan, just the score, which the mid EX was about 515. About 2 weeks later I checked my fico scores, after my investigation was complete, and my scores were 620 598 555 even with my 92% utilization. I was so excited but thought my dti was not good enough and was going to wait.
I called back like 5 days later and my score was 569 and I recieved an alert the next day because of a collection account from Sprint, which I fought with hard prior to going on my credit, had appeared. I was upset because when I started I had at least 10 collection accounts and now have two including Sprint.
I spoke to the second loan officer who advised that when I get to 580 he can pre-approve me for a 100,000 loan (all I need) and the rate would ne 6.25-6.50.
I have never been so desperate for points in my life.
I am paying half od my credit cards down on 7/18 and have sent a letter to my creditor to remove the only late I have, they agreed to remove it. Otherwise there is nothing else to do in my opinion.
EQ 817, EX 815, TU 813 (Updated 1/5/18: TU 843