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The final week

Discussion in 'Credit Talk' started by LKH, Jan 2, 2003.

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  1. Jan 2, 2003 #1
    LKH

    LKH Well-Known Member

    It is finally just about here. I close on my house in 1 week, Jan 9th and move in on the 10th. I've already bought a new living room set, bedroom furniture and am getting set to buy stuff for another bedroom. It's getting expensive!! lol

    For anyone who cares, newbie wise, and even if you don't, I started out here in March of 2000. The only score I know from that time was my TU which was a whopping 475. All scores are in the 700's now. I started my cleanup in earnest in March of 2001 and was clean by the end of Dec. 2001. So, just wanted to tell those that may be discouraged, it can be done with a little perseverance and nastiness when necessary.
     
  3. Jan 2, 2003 #2
    crebre

    crebre Well-Known Member

    congratulations and you are an inspiration to me, so please don't let the [] make you leave too soon. we need you. and what kinda furniture did you get? i can't wait to start doing that kind of stuff.
     
  4. Jan 2, 2003 #3
    Saar

    Saar Banned

    Does that mean you'll no longer be having lobsters at Caesars? I can already see the disappointment on Charday's pretty face.


    Saar
     
  5. Jan 2, 2003 #4
    tnobles

    tnobles Well-Known Member

    Lk, I think that is wonderful, and the best part of it is that you have been kind enough to stick around and help others even though you're work is done. Thank you!!! Congrats!
     
  6. Jan 2, 2003 #5
    sassyinaz

    sassyinaz Well-Known Member

    wooooooooo hooooooooooo, LKH

    How great is that!!!!!!!! Congrats to you, enjoy it, you've earned it!

    Sassy
     
  7. Jan 2, 2003 #6
    mark

    mark Well-Known Member

    good job LKH. congratulations on the new home.
    how much did you put down? and what was the cost and interest rate (if you don't mind telling)
     
  8. Jan 3, 2003 #7
    Gillian

    Gillian Well-Known Member

    It gives me hope!!! Congrats!!!

    G
     
  9. Jan 3, 2003 #8
    marci

    marci Well-Known Member

    Congratulations, LKH. I hope you enjoy your new home.
     
  10. Jan 4, 2003 #9
    lbrown59

    lbrown59 Well-Known Member

    Good for you
    LB 59
     
  11. Jan 4, 2003 #10
    fla-tan

    fla-tan Well-Known Member

    LKH

    Firstly, Congratulations on the house. Now let me ask you just one question, how did you pay for the furniture?? If you financed it, that could very well be a BIG NO-NO. If you paid cah, then super congrats. The reason is that usually just before closing then lender will pull credit again and if they see alot of new stuff and/or inquiries it makes them extremely nervous. I have seen lenders back out of loans because of it. I sincerely hope that dowsn't happen to you.


    fla-tan
     
  12. Jan 4, 2003 #11
    LKH

    LKH Well-Known Member

    Thanks everyone.

    fla-tan, don't worry. Furniture was paid for in cash. I have had the itchy fingure to apply for something, but know better.

    Saar, would I ever stop eating lobster at Caesars? Nooooo!

    I don't know how many of you read my other threads, but TU is throwing a monkey wrench into this. Report has been clean. Yesterday they decided to reinsert a derog that had been removed in Feb 2002 at the ca request. I spoke to the ca yesterday and they did not request it be reported. They sent me a letter to that effect with a copy of yet another UDF to TU. I have called TU, told a supervisor had to handle this and call back. I call back. super not available. I left a rather not too nice message explaining the urgency of their correcting this. No return call. Sent D Richman an email. No response. Today I sent a basic fix it or else email to the person taking over for Richman. No response yet.

    If my lender pulls my reports again before closing, and this causes any problems whatsoever, they will see me in court.
     
  13. Jan 4, 2003 #12
    smontoya5

    smontoya5 Well-Known Member

    This is the type of post I like to print out and show to my hubby. He still doesn't think all the hours I spend researching, drafting letters, asking questions, on the phone, etc will amount to much. I hope to be in your situation by Spring of next year.

    LKH, a big congrats on your purchase AND most importantly, the results of all your hardwork to repair your credit.
     
  14. Jan 4, 2003 #13
    fla-tan

    fla-tan Well-Known Member

    LKH

    Not applying for ANY credit while in the mortgage process is something that I have to constantly impress upon clients. I am glad that you were aware that doing so was a MAJOR no-no. Again, congrats on becoming a homeowner.


    fla-tan
     
  15. Jan 4, 2003 #14
    Butch

    Butch Well-Known Member

    Huge Congrats LKH.

    :)
     
  16. Jan 4, 2003 #15
    KHM

    KHM Well-Known Member

    LKH-
    Congrats!! It's stories like yours that helped me continue on. I still have one derog but most creditors don't seem to care. Other than a house I've got all the credit I can handle...errrr....ahhh deserve :)
     
  17. Jan 4, 2003 #16
    matt30

    matt30 Well-Known Member

    Congrats on the new home. I am glad to see someone has made it. It makes me feel a lot more comfy with the whole situation. What CRA did you have the most problems with and what were you able to get removed?
    Matt
     
  18. Jan 6, 2003 #17
    G. Fisher

    G. Fisher Banned

    Truth, reality

    Do you owe it?

    Does your credit file reflect your true credit history?
     
  19. Jan 6, 2003 #18
    LKH

    LKH Well-Known Member

    Re: Truth, reality

    Greg, take your truth, reality and stick it. I shouldn't answer any of your damn obnoxious quetions, but because I am completely in the right, I will.

    No, it was an acct belonging to someone other than me with the same name in the same city. How do like that Greg? Too bad huh, not what you were hoping for?
    Do me one favor. Unless I ask for your opinions, please don't respond to me.
     
  20. Jan 6, 2003 #19
    LKH

    LKH Well-Known Member

    Re: Truth, reality

    edit
     
  21. Jan 6, 2003 #20
    sudsman616

    sudsman616 Well-Known Member

    Congrads

    Congrads I can't imagine how it will feel on the 10th for you and you family! My DH has been reading your post for over a year now. Thanks for all the info you have shared along the way.
     
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