My SO and I have been considering buying a house with a USDA loan next year. However, I just found "THE ONE" and would love to shoot for it now.
Should I attempt to do anything with the baddies on my credit or will it just bring them to age and hurt my score even more? There are only 2 showing a balance, $500 and $400, and both over 6 years old (which is why we were going to wait on the mortgage, so they'd fall off).
I have a handful of other baddies also 6-6.5 years old with $0 bal (charged off) that were small balances, too. 1 in collections for $1700 and about 6 years old.
I have 3 open positives: cap one platinum, retail card, and student loans. No missed or late payments.
Credit util. is about 34% and I can bring that below 30% today if that's helpful.
Any thoughts? I think I screwed up because I called one place already and did a SIF for the amount I actually owed before interests/fees (Target card, was $450, I SIF @ $160 with half paid and set the other half for Aug. 4th.)
How bad did mess up there?
Fico 8s are:
Ex: 604
Eq: 610
TU: 625
Ex Fico 2: 651
