Your credit sucks for the same reason mine does.... You have no current stuff going on.... Your old accounts are late and have poor history...

 

You need open accounts

You need to use those accounts minimally you can't use anywhere near your max available (like low usage)

You need to pay them timely every month

 

There is a ton more to it than that but that is part of it...

There is no reason that you can't pay cash for a home. (It takes a long time for a big place in NJ)

 

You can also get a mortgage with a FICO of zero. You'll need a lender to actually get out their pencil and look at your income. Manual underwriting gets done all the time.

 

 

 

 

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