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Depending on who pulled your credit, your score for mortgage purposes may actually be different than the score you are seeing. A mortgage credit report (one pulled by a loan officer) can have very different numbers than a consumer score (one pulled through services like equifax3inone, annualcreditreport.com, etc). It is best to talk to a loan officer who understands credit issues who can review your credit with you. Some lenders still have programs for scores as low as 580, so IF your score is correct, time away from credit challenges (waiting a bit) may be the only option. It is best to speak to a loan officer to discuss.Depending on how old the collection you paid in May of 2011, you may have actually hurt your score by paying it off. Once your credit score meets guidelines, you may qualify for some fantastic grants available in PG county as well.Warm Regards,Bridget
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Since you have already paid off your debt to Comcast and the other creditors, you should reach out to the three credit bureaus and dispute any inaccuracies, including paid debts identified as "unpaid". Please note that even after the payments are reflected, they are likely continue reporting the period in which the charges were unresolved. CHECK EVERYTHING!
As far as finding financing for a new home, you should first consult with a loan officer. If you have a membership at a credit union or a bank, you can speak to representatives about your goals of home ownership. They will be able to give you a full picture of where you stand financially; thereby letting you know what you can afford, how much you would require for a down payment and closing, and/or if there are some outstanding issues that must be resolved before a loan is offered.
Lastly, there are financing options available for homebuyers with "fair" credit ratings, as well as low-to-moderate income, such as FHA. Again, your loan officer would be able to explain options that they offer.
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