Asked by zorger, Greenville, SC • Wed Apr 10, 2013
Trying to get pre-approved for a fha loan. I have been at my current job for 4 years & make $ 40,000 year. If you add in my child support I make $ 50,000 per year. I have been at my current residence for 2.75 years and pay $ 1,250 in rent and never have been late. These are my credit scores:
Loan officer says they use middle score & I need to have at least a 640. The problem is I am an authorized user on 2 accounts. She says I may need to take myself off the 2 AU accounts, but I know this will lower my score. I think my Experian was 648 before I added AU accounts. Should I apply for a secured credit card just in case. Also, she asked me to provide information for 3 other credit resources such as:rent, utilities, insurance, etc. which I did and I have never been late. I do not have a car payment, and only have one $ 35 credit card payment if not counting the other 2 AU accounts. What are my chances? Any help would be appreciated.
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