Approval odds for FHA loan?Hey guys, any help will be appreciated and I am also looking for Realtor/REA etc I would like to know from you, the experts, will I get approved for a fha loan or denied- 1-I have been renting a legal apartment for past 2 years in a apt complex and they are willing to give me a recommendation letter stating timely payments. 2-My credit score is 610/620/610 for the 3 bureaus, I have one credit card I have been paying on time(never been late) since 2010, I have had a auto loan paid and closed summer 2010(late 3X2006, once 2007) 3-Read online FHA requires atleast 3 tradelines, I opened a new credit card this month(limit 500), my score went 610 from 660, is that a mistake? Should I close the account? 4-Added myself to my SO cc and added her to mine. She uses 50% of her limit, will that hurt me? As of Nov we paid that in full. Also added myself to my SO new amex with 2k limit, good or bad idea? 5-I make 80K, even though I will be solely on the loan/deed, can her income(40k) play a role? 6-I have 2 collection account from years ago(not mine,disputed) roughly 4K(so they claim)7-I have few account closed in good standing like home depot, kay jewelers etc due to non-use of them.December 10 2012 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.