Ok so i want to buy a house in 2020, after our BK7 7 hits 2 yrs Feb 22. Plan on doing FHA with NFCU I recently baught my scores for both of us (see below) Profile 1 is me, 2 is my wife, 1- Credit 1 900 limit Ollo 900 limit Capital 1 plat 3000 limit new this year NFCU CLOC 500 limit NFCU loan 230/3001 61 month loan so less then 8% NEW this year Self lender less then 240/500 be paid off before mortgage AU on wifes store card 2500 limit survived BK so oldest card on my file. AOA 13 months, 1% uti using AZEO, 16 inq, 7 should fall before mortgage 2- AU on credit one above 900 store card 2500 limit BK survivor OLLO 1000 Lend up CC 2000 Capital 1 plat 2000 kohls 1000 (BK SURVIVoR) student loans currently in forbearance due to lawsuit against scool looking for loan forgiveness, aprox 8k Joint on the NFCU CLOC 500 AOA 4y+ (thanks to student loans, and 2 accounts surviving BK 1% UTI AZEO 12 inq 6 should be falling off prior to mortgage
Aside from sitting tight, and keeping everything good, am i missing any chance to boost my score? i am close to 680 mid mortgage, and would like to clear atleast that for rate purpose. Not sure what else to do maybe i have done all i can? Thanks... fico 8 EQ 1 688 2 674 t 1 676 2 635 exp 1 689 2 652 mortgage ex 1 697 2 701 t 1 690 2 664 eq 1 636 2 648
I dont see much else you can do other than refrain from apping for any new credit prior to the mortgage and work on SP CLIs.
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