I'm confused about your utilization... it doesn't seem to match the CCs you listed. Where is the high utilization coming from? That utilization plus all those unpaid collections are going to keep your scores low.
What all specifically would I need to post in order to get help on what I can do get my mortgage scores moving aside from my mortgage scores?
The UTI is not the norm. Usually 1-9%
535 equifax 72% utilization total bal and open ended account $1k -2 inquiries
9 years 5 months average age
587 trans 73% uti $3317-utilization total bal and open ended account
9 years 3 months
544 experian 68% uti-utilization total bal and open ended account -$3317–1 Inquiry
Note uti will be paid back down next month not the norm-1 inquiry
9 years 5 months
Youngest acct 4 months
4 credit cards
Discover 10.00/ 500
Cap 10.00/ 750
10.00 reporting balance each
Student loan around 100k in deferment 0.00 payment
Auto loan 14k left of 19 k
Bk 2017 chp 7
Last late payment 10/2018(yes I already know that’s an issue following a bk)
Ad astra $927 not paid
Convergent $1487 not paid
Credit management $674 not paid
Credit one $ 743 charged off not paid
General revenue 0.00 will not remove(gw letters sent)
Whew, this is a lot going on. IMHO, you should create a minimum of 1.5-yr plan (really a 2 yr plan) to get all of this taken care of in preparation for getting a mortgage.
As others have said:
*Implement AZEO method
*Pay those collections off
*Do not apply for anything else--not a CC, not a loan, nothing!
*SD all your cards. Do not use them! And work extremely hard on getting them paid off.
*Don't pay any more bills late. Schedule billpay or autopay if you have to.