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CSK86

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Looking to get a home mortgage
Hi All, I was looking to buy our first house. The credit report that i was able to pull showed 3 scored range from 580 to 644 and when i went to lender, they apparently got different report that showed scores 502-560. They said the consumer report scores are different from what they use. I was hoping if anyone here could give me some tips to bring up these scores in the next few months or if you know any credit repairing agencies (Reliable and legit) that could help me with the situation. I have some charged off accounts with last reported activity in 2012 and prior (2009). 1 account was given to a collection agency and i been paying them since then. Why is that still showing up as charged off? how long do they stay on ur report? Also i have student loans with one lender but each loan has its own account number because of that, they are showing up as separate loans. Does that have any impact on the credit?

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Please take the time to read the articles here to learn about how credit works and how to build your score because buying a house is not likely until you do.  All of your questions are covered there. Charge-offs are reported for 7 years from the date reported as such.  Student loans are collectable until paid, no matter how long that takes.  You do not want any derogatory remarks on your credit reports when trying for a mortgage.

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