So me and my wife are about to submit an application for a mortgage. My current middle score EXP mortgage score is sitting at 625 which we would like to get above 640 qualifying us for a much better rate.
We have one collection reporting for $ 148.00 through Credit Control Service, Progressive account, opened November 2014.
!.) Does anyone know much about these guys? Any luck with PFD?
2.) I understand many factors go into scoring however what impact would this have potentially bumping our score 15pts with deletion?