You have a bit going on here, so you're going to have to make the numbers dance a bit to pull something off in 12 months.
Unless you have a small pile of cash available to you, in which I hope you may have, the amounts owed seem relatively small enough to clear them out. Pay off the cards, pay off any of the small past amounts owed, and make them report it as settled. If you've been in contact with any of the charged off or sold off ones, the debt is still considered active, in which seven years isn't in play any longer. You have to be without contact for seven years, or settle, or delete in full to satisfy a condition, marking the new timeline where seven years begins. If you've never spoken to a collector, or the institution about a past debt, that seven years is still in play since your last discussion. Never acknowledge the debt ever, should you want to pull a seven year removal. The exception to this if you want to settle, delete, etc.
Palisades Apts: This one needs to get removed from your report. So long as you've had no contact with them, it appears you have about nine months remaining to clear this one off the report.
To pay down some of your active accounts is going to be necessary. Unless you have a very reasonable income, or maybe even a spouse with an income to add to this, they're still going to do the loan to debt ratio to determine worthiness, but use the lowest credit scores to determine rate. You might slide by if these debts are less than their ratio to income, and they overlook past delinquencies. Your rate may not be ideal, but it should get your foot in the door.
At the end of the day, you have the power to react. You can choose to provide yourself with the best outcome for your given state, if a house is required within the next twelve months. If your timeline is longer, you have more to work with, and should reflect better opportunities. My advice is to identify the issue, acknowledge the issue, and put a plan in place to fix the issue. Credit and debt is nothing more than shuffling papers. You strive to create stacks of efficiency.
And should all else fail, I believe I've heard the statement that if you have 30%+ to put down, almost no lender is going to care much about your past issues.
$XXX,XXX in credit lines. First digit isn't a one or two.
4-5 weeks in free credit reward vacations, booked through 2028.
$X,XXX in bank rewards in only 12 months.
I like FREE...
800+ FICO.
Making all numbers dance on a financial ledger.
Abuse that score responsibility for maximum gain.
