Glacier

Who is listing the collection on the report? A collection agency or the doctor? If a collection agency, pay the doctor directly,, they will usually then pull back from the CA and it should disappear from your report.

Perhaps a mod can move to credit forum for more views.

Yes, I see the giant empty space.

A paid collection looks as bad, or possible worse, than an unpaid collection. It can look worse if the entry has not been updated in a while, thus not looking new. When the payment is made, it is updated, and looks newer, an thus, can lower your score. If you so desire, you can see if the entity reporting will delete the trade line once you have paid it. Make sure to get it in writing they will delete if paid.

From what I can tell, the Velar is just an Evoque stretched 12 inches.

Depending on they year of the vehicle, you may not be able to refinance for 60 months. And as CV says, financing that long makes no sense. Best laid plans.... As for settling the accounts, it would depend on the amounts, and if they are within SOL, and if they are, how close they are to not being within SOL.

I would work directly with T-Mobile, and see if you can come to an agreement and pay T-Mobile directly. Then the collection account usually gets pulled back from the CA and the entry drops off your report, usually.

Yes, I have the soft from Pen Fed, and it was a snail mail offer. The card did offer 5x on gas.

I don't have any business relationship with them, but will check for a soft inquiry, as yesterday I received a pre-approval letter from them for one of their Platinum Rewards Visa Signature Card.

Where are the scores from? If they are FAKO Skores, then who knows why they are where are.

If this is a first time home purchase, while you can withdraw from the IRA without paying the 10% penalty, you will still have to pay income tax on the withdrawal. Not sure of seasoning requirements.

Is it a Federal or Private Student Loan?

708 (unchanged)

TTT

You should receive your loan estimate within 3 days of applying. You can also ask for a Estimate of Loan Costs prior to applying.