Hello, thanks in advance for your help!
I'm trying to improve my credit so I can qualify for the best mortgage rate possible. I'll be a first-time homebuyer. I have downpayment saved, but I know my credit isn't the best. I have a few negative items and a few positive. I'm hoping to get advice on how to strengthen my credit profile, as well as what strategy to take to deal with the negatives.
My scores are 643, 651 and 679.
- I have an account with Progressive Mgmt for $1108 opened 8/2016. I think this is a collections agency for a medical bill from 2016.