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hello everyone ,
i have a few question before i got to my loan officer on monday.
i been rebuilding since nov 2018 . i got seperated 2 yrs ago and i have 4 kids. my ex husband mess up my credit and i been able to get most of the things of but 3 things reporting .
my fico is ex 581 , tran 755 and eq 586
my fico mortgage middle score is 651
as u can see experian and equifax are my issue
at the moment i have
1 car loan charge off with 11,200 - i return the car since my ex wasnt paying , this will drop in jun 2020
1 capital one under investigation card had a credit limit of 750 and charges of over 4,00- were made unauthorized this is also charge off - not even sure how they allow this charges with no extra limit.
1 revolving account from a company am not familiar with a charge off of $2500 - under investigation dropping in september 2020
my credit is high since my sister put me as an authorize user on all her credit card which help she has no balance
i have 1 usbank card with 1000 limit only carries $8-20 monthly
question
1. with those charge off make it hard for me to get a loan?
2. since they are under review will the under writer not count them?
i make over 32,000 a year no debt beside whats on my report above . 2 year study job. my goal is to get a home no more than 70,000 .
any advice will be appreciated . thank you
What type of loan are you trying to get ? Why aren't you divorced ? I think not being divorced will be an issue.
You sister's tradelines will not help you. You will need at least 3 of your own for at least a year depending on the loan. They may be able to use other credit lines but again that depends on the type of loan.