Guess what? I did it. I walked into Wells Fargo Mortgage and applied for a mortgage. And guess what? The guy was nice. He said that I had an excellent chance as I stood right now. He said with my income they would get a loan for me. FHA. But guess what the kicker is? My scores: Are you ready. Equifax: 653 Transunion 560 Experian Not provided. Now they take the middle score. I know that experian is a good report with only 2 negatives at all, so I am in good shape. The transunion thing is a fluke. First they are the ones reporting the new DMV judgement. The also have my student loans and car loan reported twice. So they have me as being $235,000 in debt. Ridiculous. But those are my scores and see how far I have come. I am very happy. 594-653 in 8 months. Thank you all for your time. roni
RE: Momof3, Mp$40, or anyone w Hey that's great news! My score was 619 last year and I was approved for a mortgage, so you should definitely have no problem! Good job, Roni, with your gold check card havin' self!
RE: Momof3, Mp$40, or anyone w I'm curious, are your loans with SallieMae by chance? I received another letter from SallieMae today, this one was less of a form letter and it stated that the fact that my accounts are reported twice is not the fault of SallieMae, but of two of the credit bureaus. Though, a previous letter stated that they would update the information, now I'm not so sure.
RE: Momof3, Mp$40, or anyone w That's great news Roni! I knew you were in good shape! Now we need to work on that bunk DMV stuff! I, on the other hand, just pulled my iplace.com report (Experian) and I'm SICK! :-@ It is ALL wrong! ALL WRONG!!!!!!! And Junum appears to have NOT done a DARN THING!!!!!
thanks girl. I dont know why experian's didnot come up. But anyway, qspace that score was 649 2 weeks ago, so I should be ok. Give Junum time. They will do something for you the first round at least. roni
I knew you would do it TODAY L Way to go Girl, I knew you would do it today That is great you have worked hard and you will get a nice rate come buying time Mom
RE: Momof3, Mp$40, or anyone w Thats great! Have you checked your Worthknowing score? Just wondering to see how it compares.
Roni ~ if I may ask ~ Why are you waiting 12 - 18 mos before you buy? The interest rates are great now, i'd be afraid they are going to go back up.
RE: Momof3, Mp$40, or anyone w Congrats to you, Roni. I'm really proud of you! You've come so far with your credit. I hope my husband and I will have similar luck when we apply for a mortgage this spring. My TUC report is looking pretty good now but I have to keep hounding Equifax and Experian. Equifax got really behind during the holidays, I think, and sent out a bunch of investigation results as fast as possible without verifying. Anyway, continued success and please continue to keep us updated. Donna
RE: Momof3, Mp$40, or anyone w I think equifax did the same thing. The guy at equifax did another over the phone investigation. roni
