Momof3, Mp$40, or anyone who w

Discussion in 'Credit Talk' started by roni, Jan 11, 2001.

  1. roni

    roni Well-Known Member

    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.

  2. Carrot

    Carrot Guest

    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!
  3. mt

    mt Guest

    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.
  4. roni

    roni Well-Known Member

    Yes, sallie mae had some of my

  5. Cadillac408

    Cadillac408 Well-Known Member

    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 report (Experian) and I'm SICK! :-@

    It is ALL wrong! ALL WRONG!!!!!!!

    And Junum appears to have NOT done a DARN THING!!!!!
  6. roni

    roni Well-Known Member

    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.

  7. Momof3

    Momof3 Well-Known Member

    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:)

  8. molly

    molly Well-Known Member

    RE: Momof3, Mp$40, or anyone w

    Thats great! Have you checked your Worthknowing score? Just wondering to see how it compares.
  9. roni

    roni Well-Known Member

    RE: Momof3, Mp$40, or anyone w

  10. Nancy Klin

    Nancy Klin Guest

    RE: Momof3, Mp$40, or anyone w

    You give me hope for MY credit future, you go girl
  11. kim

    kim Well-Known Member

    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.
  12. Donna

    Donna Well-Known Member

    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.

  13. roni

    roni Well-Known Member

    RE: Momof3, Mp$40, or anyone w

    I think equifax did the same thing. The guy at equifax did another over the phone investigation.


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