We need more information.
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?
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.
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.