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Here's another "would we qualify" post for you guys.. thanks in advance
Combined gross income: $99K / year (from full time employment 2+ years at employer, 15+ years in field)
First Applicant FICO Scores: unknown (suspect 680-700 range)
Second Applicant FICO Scores: TU: 620 EX 630
DTI (combined): approx 3%
Savings: approx 5K
First Applicant
GEBRC
Balance: $0
Limit: $2500
Opened 4/1/13
Pay Status: Open, Never late
BoA - Secured Card
Balance: $40
Limit: $500
Payment: $30
Opened 10/12
Pay Status: Open, Never Late
BoA - Secured Card
Balance: $9
Limit: $300
Payment: $30
Opened 6/12
Pay Status: Open, Never late
Second Applicant:
BoA Card - Authorized User
Balance $100
Limit $700
Opened 4/1/08
Payment $15
Pay Status: Current, Never Late
Kay Jewelers
Balance: $0
High balance: $754
Opened 3/1/01
Pay Status: Closed, Never late
GEBRC
Balance: $0
Limit: $2500
Opened 4/1/13
Pay Status: Open, Never late
BoA - Secured Card Authorized User
Balance: $40
Limit: $500
Payment: $30
Opened 10/12
Pay Status: Open, Never Late
HSBC - Collection / Charge Off
Balance: $0
High balance: $545
Opened: 09/05
Derogatory
BoA - Secured Card
Balance: $9
Limit: $300
Payment: $30
Opened 6/12
Pay Status: Open, Never late
Capital One
Balance: $0
Limit: $300
Opened 1/1/2000
Closed or paid/ zero balance
Cap One Auto
Charged Off Auto Loan - Derogatory (Repo)
Settled in Full
High balance: $14606
Opened 02/05
GM Financial Auto Loan
Balance: $0
Opened 01/2003
High balance: $11302
Closed, Paid
18 lates (ranging from 30-90 days)
Collection from Utility Company
High Balance: $200
Paid
Charged off 02/08
Paid State Tax Lien
Released 09/2007
Amount: $857
Nasty looking, I know, but we've been working really hard on the rebuild Thoughts?
I think the only one that they might (and I said "might") have any issue with is the repo one. But I think you should be ok. Have you tried getting pre-approved.