Trying to get ready for home loan.. Should I apply for more credit

Trying to get ready for home loan.. Should I apply for more creditTrying to get ready for home loan.. Should I apply for more credit
Ernestacoub asked 4 years ago

My plans are to apply for a home loan in January, currently I have 

 

1 line of credit 

1 cc

3 installment

Is it okay to apply for more cards, I have always heard not to apply for new credit before you apply for a home loan, but I need points.

 

The baddies are portfolio recovery 672 I am going to pay them then try to gw for deletion

 

My mortgage scores are 

 

TU 627

EQ 595

EX 653

 

Is the cap one a soft pull, the one you enter your info to see which card you qualify for? I understand I will lose a few points, but when the new credit card reports I may get more points?

 

Thanks

 

Thanks

 

 

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