Like many others, I’ve been lurking and learning for months. I want to apply for a FHA loan soon and would like your opinions on my chances.
Here’s the dirt:
MyFico scores–EQ 665
3 medical collections from 2010. total is less than $ 900–I’ve sent off letters for PFD. no response yet—these only show on TU report
1 Chargeoff from 2010 of $ 700 (can I somehow get this off my account? It’s only reporting to EQ)
6 CC at 53% Util
1 car loan
All payments have been on time
My oldest account is 8 years
AAoA is 4 1/2 years
I’m working on getting my utilization down more.
Any suggestions on my chances for getting FHA approved? Also, what should I concentrate on most for bringing up those scores–utilization??
Thanks so much–I’ve received much hope from these forums!