Should You Pay Collections Before...

Should You Pay Collections Before Buying a House? Mortgage & Credit Explained

It Pays To Have Good Credit por Christopher Stirgus

12 ago 2026

04:29

Notas del episodio

👉 In this episode you’ll learn: Should you pay off a collection account before applying for a mortgage? Does a paid collection look better than an unpaid collection when you're trying to buy a house? And can collections prevent you from getting approved for a home loan?

In this episode of the It Pays To Have Good Credit Podcast, Christopher Stirgus, owner of Stirgus Credit Repair, sits down with Austin Edwards, known as Austin the Mortgage Man, to discuss one of the most important credit questions for prospective homebuyers: Does it matter if a collection is paid or unpaid before buying a home?

We discuss how collection accounts can impact the mortgage process, what lenders may look at, and why paying a collection isn't necessarily as simple as it sounds.

Full episode released on August 13th 2026 at 5am (MST)

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