What now?

[Anonymous]

So I'm working to rebuild my credit up to 590 TU 585 EQ and 557 EX from the high 4s six months ago. I have three degrogs that are hurting me:

First Preimer- charge off Sept 16 for $436
Kays- charge off Apr 16- $1326
Pioneer (personal loan)- charge off Jun 13 $4232
None seem to be going to collections

All other charge offs paid and showing paid on CR.

New accounts:
Cap1- $300 limit 5/17
Credit One- $300 limit 5/17
NFCU- $1700 limit 5/17
Kohls- $300 limit 5/17
Open Sky- $500 3/17

These are my first real CCs. I only persuded Kays and a paid collection Military Star Card because I had a need.

Loans:
Ally- $15,788 7 lates last in Jan
Chrysler Fin- $33,588 4 lates last in Dec
Student- $8800 paying never late

My goal is to be approved for a VA loan within 6 months. My question is where do I go from here?

I don't want to poke Pioneer or Kays because they don't seem to be doing anything. Do I pay First Preimer since they are killing my UTI? What else should I consider?

[medicgrrl]

The underwriter may require those debts to be paid in full. Do you have the funds to pay them?

[RobertEG]

I would advise careful review of the current VA loan underwriting requirments, particularly as to lates/derogs within the last 24 months.

Additionally, while I believe that VA does not, per se, set a min mid FICO score, I believe that your individual lendor can and usually does, with a mid-score of 620 usually being required.

I would have a chat with your prospective VA lendor as to "what now"