My credit history full picture for past 6+ years has had "clean-up" work done since my divorce and no lates but one account that has been in dispute for two years...now has a tax lien as of last October...will I ever get a mortgage? I'm asking the pros for this one or do I just figure I'll never own a house?
I didn't want to get a 2nd job so that I could spend time with my kids when they were small and new to divorce so I claimed a lot of exemptions, didn't pay much tax. Last year when I made a job transition (off for the summer) I met w/IRS agent to see if I could offer/compromise...they said no...income went down but not enough to get a huge refund...but it was my first in 10 years (married formerly to someone we never had money) so anyway...I'm now going on a payment plan with both STate & Fed, just wondering if someone is blowing smoke or would I really get a mortgage with payment plan in place?
Not sure yet of recent scores but back in Jan they were 602, 636 & 580...the lien and closing 3 credit card accounts caused me to take a powder I know, but I also wanted to be more financially responsible by not having all these TLs.
Thanks for the help!
I wouldn't pick anyone out of the phone book. Maybe one of your trusted relatives knows someone who knows someone. I traveled the road you are on. You have to stop the IRS clock as the penalties and interest add up quickly. It can be done. Resign yourself to renting for a while. Save.