Need 58 Fico MORTGAGE Points, please help asap!

Need 58 Fico MORTGAGE Points, please help asap!Need 58 Fico MORTGAGE Points, please help asap!
sherikadavis3243 asked 5 years ago

So due to the value of the mortgage being higher than FHA guidelines, I have to go conventional, can you please please please help me with what I need to do in order to increase my score?? Please find my profile below. The mortgage guy said as soon as I am at 620 I can do the conventional.

 

Items in good standing:

1 Secured Open Sky Card $ 200 Limit, $ 3.00 balance, reported for one month so far

3 year old auto loan, original amount $ 28,000, current balance $ 17,000, never late

Student Loans in Deferrment

 

BADDIES:

The charge offs happened at the end of 2013.

Synchrony Bank / Lowes891 – charge off
SYNCB / Paypal Card0 (Charge off, not paid off, sold) 
Synchrony Bank / Walmart0 (Charge off, not paid off, sold) 
Pen Air Federal CU517 – charge off
SYNCB / Amazon0 (Charge off, not paid off, sold) 
Carmel Financial Corp2768 – charge off
Pen Air Federal CU2249 – charge off
Credit First Fireston1787 – charge off
Barclays Bank Delaware2000 – charge off
Capital One0 (Still shows balance hasn’t updated from my payment)
Capital One0 (Still shows balance hasn’t updated from my payment)
Verizon877
Herbert Sears Co – Being removed!534 (have letter that they are removing)
Midland Funding980

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