Hey all,
Okay so here's the stats. Credit score ~705 (Vantage score 3) -739 (Equifax) (the other credit scores are somewhere in the middle of that). I'm looking to take a loan to move to a larger home in ~6 months. I currently hold 2 forms of credit: Mortgage and a credit card I pay off every month (Credit limit 24,000, I spend about 600-2000 on it every month). I paid off student loans 2 years ago, and the car has been paid off for about 5 years.
My problem: I screwed up my autopays and had a late payment last august which is now sitting on my report, I also had some issues with money over a decade ago, but I assume all that stuff is gone. So that one late payment seemed to drop my
