Do you think I'd be approved?I have average credit, built it up myself from a 580 to a 660 about. I am about to get my update tomorrow and can provide exact scores. However I have high debt on my personal credit, scores would be much higher. I have one collection that is paid and has been paid for a few years, should be removed in 3-4 years. I make 40k with good job history 2 years +. I also have long rental history at my current apartment. I have high debt for my CC's but only about 1500 that I am paying before November 1. I want to close before January 1. My lease is up and wish to move into my first home.I know that I need 'gift money' or just additional capital as well in my bank account. I am just worried and haven't applied for new credit in hopes I am approved or pre-qualified.September 04 2013 - Salt Lake City00YesReport 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.