GusJen

So in the last 30 days I got my old 10/10 combo CLI'd to a 20/20 combo, got a 15k signature loan, and got my 2 Partners FCU auto loans refi'd for 1.49% each. All 3 transactions were quick and painless. FWIW

I got that too and then a letter in the mail asking me to update my employment status and income on their website for a potential CLI. I got an increase form $500 to $2500. This particular card had been stuck at a $500 limit since 2004.

I like my MyFICO EX way more than my PSECU FICO. It's 39 points higher

Walmart, Sams, JCP worked for me. Amazon still a no go

I had a soft from same on 02/14/13. I'd like to know who this is too

If it makes you feel any better Foe - I haven't gotten mine yet either. My online account is updated but no soup for GusJen

VA is your best option - no down - low rate - no monthly PMI it is a great option for those eligible - Your past credit issues are old enough that they shouldnt be an issue Your scores are solid enough for the program - so long as job history and debt ratios are fine you should be okYou can also negotiate for the seller to credit you for closing costs keeping your money in reserve B Brian- If one is 2 years post BK7, what is considered OK job history? and what is considered OK debt ratios? Thanks DTI below 50% and 2 years in the same line of work - if you have any gaps in employment that are recent you may be required to be at your current employer for as long as 6 months before being eligible - otherwise it is fairly liberal - if you have just changed jobs 30 days pay stubs are required. Thanks Brian. What about mortgage lates? One borrower is currently a homeowner and one is not. The borrower that is a homeowner had a few mortgage lates related to a modification. How old do the lates need to be?

VA is your best option - no down - low rate - no monthly PMI it is a great option for those eligible - Your past credit issues are old enough that they shouldnt be an issue Your scores are solid enough for the program - so long as job history and debt ratios are fine you should be okYou can also negotiate for the seller to credit you for closing costs keeping your money in reserve B Brian- If one is 2 years post BK7, what is considered OK job history? and what is considered OK debt ratios? Thanks

When you find yourself the member of a laundry list of community organizations. Which you joined so that you could become a member of credit union after credit union after credit union....AND.....when you remember GEORGE.

Yes!!!! Ive been trying to remember what the name of that card was. I had one back in the day and have always wondered if they would back date..

They asked me for the same. I would take it as a positive sign.

Mine went from 14.9 to 17.9 but my letter said the increase was due to "market conditions". It sounds like a lot of you got letters that said it was based on your creditworthiness.

No update for me either. The language on the sight says BY the 10th business day of the month but I have a feeling that since this is a new thing for Walmart it might be delayed this month as they work out the kinks.

652. Dropped ~40 pts due to my app-o-rama. But time will fix that!