thorice

What should i do to my credit report for a good mortgage rate.

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Experian 721

Account Balance/CL Status

1. Credit First NA $386/$2000 OK was 30 day past due 1 time (Oct 2004) (Firestone Card)

2. Rnb $0/$300 Hasn't touch since 1997 (Target Card)

3. Navy Federal $5514/$10000 OK never late (Credit Card) opened Feb 07

4. BOA $0/$20000 OK never late (Credit Card) opened June 03

5. Wamu $0/$7500 OK never later (Credit Card) opened Sep 03

6. Navy Fed Loan $0/$3600 Paid off (Personal Loan) opened Feb 03

7. Great lakes $0 Paid off was 90 day late (Nov 2003) (Student Loan)

8. AnchorBank $0 Paid off never late (Student Loan)

9. Harris Charger $0 OK never late (Store Card) opened Nov 2002

10. Fairlane Credit $0 Collection Agency/purchased by another lender DOLA Jan 2001

No Inquiries

2 Collection Balance Fall off Date

Galion Hospital $1041 Jun 2008

Columbia Gas $86 Aug 2008

TransUnion 687

Account Balance/CL Status

1. Credit First $386/$2000 Ok Shows never late opened Jul 2002

2. Rnb $0/$300 Unrated opened Jul 97

3. Navy Fed $5515/$10000 OK opened Feb 2007

4. BOA $0/$20000 OK opened Jun 2003

5. Wamu $0/$10000 OK opened Sep 2003

6. Navy Fed $0 Paid off (Loan) opened Nov 04

7. Anchor bank $0 Paid off (Student Loan) opened Feb 01

8. Child Sup $5637 Paid off never late

9. Harris Chargers $0 Paid off opened Nov 2002

3 Inquiries

Weidner Motors June 14 2007 / Toledo Area Catholic Cu June 14 2007 / Verizon Wireless Mar 27 2007

3 Collection Balance Fall Off date

Galion Hospital $1041 May 2008

Columbia Gas $86 July 2008

Med Central $53 Feb 2012

Equifax 619

Account Balance/CL Status Opened Late

1. Credit First $396/$2000 OK 7/2002 No

2. Navy fcu $5514/$10000 OK 2/2007 No

3. BOA $0/$20000 OK 6/2003 No

4. Wamu $0/$7500 OK 9/2003 No

5. Wamu $0/$2500 OK 9/2003 No

7. Navy Fcu $0(loan) OK 11/2004 No

8. Anchorbank $0(student loan) OK 2/2001 No

9. Great lakes $0(student loan) 90days late 9 times as of Nov 2003 DOLA Jan 2003

10. Child Support $5585 SAYS 120 days past due (SHOW No lates?)

11. Multi House $2355 120 days past due

12 CAC $0 OK 11/2002 No

13. Fairlane credit $0 Bad debt/collection DOLA Jan 2001

14. Rnb $0 OK 7/1997 No

2 Inquires

Weidner Motors June 14 2007/ Chase-Bml Feb 2007

2 Collections Balance Fall off date

Galion Hospital $1041 Jun 2008

Columbia Gas $86 Aug 2008

Thanks for any and all help.

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You should be fine with those scores. Most of the negative items are old anyway. With a child support showing up on your credit report (usually it is "back child support" if it shows up on your credit and also why they might report it as a 120 day late), you will need to count the current payment in your debt to income if your children are still old enough to receive it.

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Bigjohnstud, these are my fico scores. I got them from the www.myfico.com website. I'm currently active duty and my income is $4400 a month and debt is 1050 a month. Also I just paid back child support off and can't wait to check credit report. Hopefully there is a big jump in my score.

Your dti is good, 23%. I would totally go VA. You can ask your broker to get your Certificate of Eligibility online. Most of the time they can get it instantly. Or you can fill out a 26-1880 and send it in yourself, have it in a couple weeks.

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