New here. Hello. Let me throw this out to Ya. I pre qual apps on Friday.I have 3 collections older than 3 year…9 years on time rent at 675…..a pif. 15 on time car loan a personal loan pif. next month 14 months a 6 month auto and a one month auto…all never late!!score about a 580 and 627……are we going to get the big deny? Or can I dump all my papers and rebuttals and pull this off..oh btw..9 Years rent on time and our electricity runs 180….projected home payment and elect total 650.