1. Experian seems to be my worst report, according to the score 544. TU is my best at 599. Equifax has increased (due to the limit increase w/ providian to 585. 2. My front end is great 26%. Back in is high 48%. If they don't count my student loan (which is currently deferred) then I would be right at 43%. But this is something the underwriter will have to make a call on. 3. I have 7 negative accounts that needs to be addressed..5 of which needs to be updated. These charge-off accounts have been paid in full. The 2 remaining accounts are collection accounts with balances. I'm hoping Junum can just dispute these. Or should I do it? I need help on what would be the fastest way to address these issues? Should I let Junum handle all of them? Also, I am not getting rid of my car. I've worked too darn hard to get it and not about to give it up. Does FHA really count your student loan even if it is deferred? Is there anyway around this?