Can't get rid of CO

[Sbrooks1]

Despite paying and GW and writing tons of letters , security finance will not be helping me eliminate a CO from 12/10 for 40 and 1 90 day late from 3/10. I don't want to wait till March unless I absolutely should. How bad does 1 90 day late look to an UW if it's 6 yrs 7 months old, So, my question is can I still get a mortgage with these 2 baddie on my report. It is not he same company 2 different accounts

[bluevalentine78]

It shouldn't be a dealbreaker.  

[EvolvingCreditDiva2]

Have you tried asking for an early exclusion from the bureaus? I've had luck with that at least 6 months out.

[Sbrooks1]

Not yet Evolving, I know TU will do 6 months , but those other two will not.i might could early the lates😳But the CO is there until 12/17 , so way away ... 15 months! Have a good profile o/w with a Mid Mortgage of 724, hoping to go FHA but afraid this will put a halt to it. Do we have to have a clean file across the board d to buy a home?

[DallasLoanGuy]

likely not an issue unless you have super thin credit file

[Sbrooks1]

I don't think do Dallas, 18 accounts all current , student loan and mult auto loans. 4 cards but only 7500 Available. Uti 8%. But aaoa is only 2 yrs w oldest account 14 yrs. so maybe I do have a thin file ?

[DallasLoanGuy]

this is not a thin file.

apply with confidence.

those things should NOT be an issue whatsoever.

[MauiMan85297]

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@Sbrooks1 wrote:
I don't think do Dallas, 18 accounts all current , student loan and mult auto loans. 4 cards but only 7500 Available. Uti 8%. But aaoa is only 2 yrs w oldest account 14 yrs. so maybe I do have a thin file ?

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You should be fine with those old negative accounts, your LO would tell you what to do but guessing he would say the same thing a VA loan guy would say: You won't need to pay these accounts especially if they're under $4k.  Good luck-happy hunting

[KSK1912]

I think you are worrying for no reason. Especially for an FHA, i would not even wait another day. Good Luck!