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What type of loan?
What is your UT?
How many CCs and how many reporting balances?
What is the open collection that's not medical and can you get a PFD?
@Quzy wrote:
FHA loan
Utilization 78%
One card $300 limit had $18 on it.
One card that I’m an authorized user on - $738 of a $1000 limit
Open collection is from an old apartment complex that I was fighting with because I sent them checks and they apparently never cashed them - 2 years later come back to collection. Closed dispute for the mortgage per loan consultant’s advisable.
Work your you-know-what off to get that UT to less than 28.9%, then 8.9%. That alone is going to increase your scores because you will be crossing 2-3 threshholds. Remove yourself as an AU (the UT is too high). Call the apt. complex and ask if a PFD can be negotiated or at least a payment arrangement can be made unless a payment is going to increase your DTI.
@Quzy wrote:
Awesome! I’m working on getting it down now My mom can probably remove me as an AU but will it report within that time frame? The collection is in a payment arrangement status I’m paying $175 a month on it now
When you said your UT is 78%, was that for your mom’s card only? If yes, having that removed should give you a nice bump if the only other card you have is the $300 card with an $18 balance.