Please bare with me, I’m pretty new to this of rebuilding credit.
Trying to get a conventional loan, pre approved for FHA, but I have the means to put down 20%. The problem is, my credit score.
However, my mortgage fico scores are lower
I’m really trying to get my scores up:
I have few late payments 17 months ago
3 open medical collections 24 + months old
1 paid medical collection showing only on 1 CR
4 credit cards totaling $ 1250 in CL currently I have zero balances
1 revolving account with CL $ 9000 with balance owing of $ 785 (it was at $ 5094.00 last reportng to credit last month, so I paid a pretty good amount yesterday, waiting for it to update on my credit report to see if that will give me a boost.)
Student loans $ 8817.00 been paying monthly
I know I need to wait for the negatives to fall off, long ways to go….
But in the meantime is there anyway I can try to raise my score?
I am in the middle of disputing a two 60 day late from my student loan back in 2013, as I was on deferment/forbearance….unless they can still report under forbearance.
Really trying here to clean up this mess
Any suggestions to raise my mortgage score up?