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we currently have a mortgage that we have had for 13 years, we would like to sell this home and buy a newer one with some land. We had a daughter that had medical bills so we got behind in everything. Car was repo'd in 2010 and the balance was paid so we didn't owe money which is good. House payment got behind but this May will be 1 year since we got everything caught up. we have a bofa secured card with $1000 limit and it's got a balance of$200, I have my own little Total card with a $350 and 0 balance adn have never had a late and have had this for years.I have a couple paid collections that hopefully will be leaving my reports soon. My husband has a couple store cards with zero balance. We make $195,000 with our combined income and our bills are very low. any hope for us this year or maybe next?
Looks like you are in good shape