Cleaning up my credit report with the hope of getting a mortgage in the next 3-6 months. My current MyFico scores: TU: 629 EX: 652 EQ: 639 I have multiple paid chargeoffs from 5-6 years ago, one unpaid chargeoff from the same time period, and a collection account that I'm going to dispute. Another huge factor dragging me down right now is the number of open, current student loans through Wells Fargo/ACS that due to a few different factors were allowed to get to 120+ days at varying times over the past decade. I understand that ACS and WF are notoriously bad with GL's. Should I still be making them my priority, considering they're open/current? I feel that would have the greatest impact in raising my score.
Hey Greggnog, I'm sorry your post was missed so long ago. I am curious what route you decided to take with your student loans, and what impact it had, if any, on your credit scores and the mortgage you were hoping to apply for. Do you care to share an update? And if you have other questions, I'd be happy to provide some guidance from here on out.