Understanding Fico mortgage scoring

[Anonymous]

Hey guys,

I need some help understanding something. I am working hard to clear up some credit issues and obtain a mortgage. I know how to get the Fico 8 scores up, but the mortgage side has got me stumped.

current mortgage scores are:

Ex 603

TU 621

EQ 594 as of 3/19

I currently have 3 credit cards with lower limits and all but one card has a 0 balance. One card has a $12 balance. 

2 Car loans, 1 never late and 1 30 days both opened in 2014

I have 3 collections on my report:

Unifund llc for $658

Portfolio recovery for $513

LVNV funding for $554

and 

Midland which they agreed to PFD but hasnt been removed yet for $584

All accounts are 3 years old.

Any advice to bump up the mortgage scores to the 620 by the next refreash on 4/19

[SouthJamaica]

1. Don't refresh on 4/19, wait a while
2. Send verification letters on all negatives, maybe some will get dropped

[Anonymous]

I would definitely suggest hitting up the rebuilding forum and getting some information on tacking those negative items.  If you were able to get them all cleaned up, you'd be looking at around a 100 point gain across your scores.