Asked by andrepena1212, Manchester, NH • Tue Oct 29, 2013
I have a couple of collections that are from 2009 time frame and am trying to figure out if I need to settle those in order to get a mortgage or not. I've been told the statute on suing me for that debt has run out but it will stay on my credit report for a couple of more years. I understand that it would improve my credit score if I were to pay them off but is that a necessity to get a mortgage? Please advise. My income, averaged over last two years, is around 120k and am interested in the knowing my options.
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