aquadisiac

Thank you. I see. Does the money have to be in any of the accounts for a particular amount of time? like does the account balance have to be around that for at least 1 year?

We're in GA. What does reserves mean? That is an option but he is very pessimistic about the whole thing and thinks no one will rent the house. My experience differs. My wife and I were just approved for a jumbo mortgage with her middle score of 511. Mine are all in the high 700's or low 800's. We were approved for their lowest rate. There must be more to this as the 511 score would not qualify for best rates - ?? I just emailed my guy and asked if taking her off would be better for me. He replied: "I can just leave her on. We're not going to use her scores anyway." So I guess they're just using my info. So will the mortgage be in your name only?

Those aren't scores. They're skores. you're right. I like the way you put it. Hmm wonder if anyone has both? Backtobusiness, even though she could see i used to do daily pulls for $12, lowest she could go was also $16.46. Oh well.

We dont want to keep his house but have no choice... I think. I know its a seller's market right now but he's pretty sure he will not be able to sell it. Would it be better for me to get the new mortgage in my name only? I make ~70k while he makes 45k. We were going to do that as a last resort...,

Hi could you please post a copy of the black pic you uploaded? Thanks! I would copy and post it, but I don't know how and by the name I blocked my name and number, you would see nothing. I think if you go into the features on Cap 1 and click on the change card feature and then upload a solid black image (or any image you want), it displays the image for you. You don't have to use it because there is another "submit" step. My card is solid black, it says "Platinum" and account number is embossed with raised numbers. That's it. Nice and clean.thanks. Well i wasnt asking to post your actual card lol. I just wanted a link/pic of the black with the right dimensions so i can upload it.

First, I would like to know how our(me and FH) credit scores would be looked at when applying for a mortgage. The last time time we applied together, i got declined and he got approved. His credit scores are all over 800 and mine are over 600. If we both get approved this time, would we get good rates with his score, bad with mine or would they average out the rate? Also, he currently owns his house which is a 5/1 ARM. The 5 years ends March of next year. The value of the house is about 90k and he owes 110k. We're planning to apply for mortgage jointly around June next year and at that point, he would have started paying the principal of his Mortgage. How gravely would it affect what we're able to borrow? If very gravely, whats our next resort? It feels like we're stuck with this house(his).

thanks for the info Dallasloanguy!

So we think its going to take ~ a year?

Hi could you please post a copy of the black pic you uploaded? Thanks!

Awesome! Ill call tomorrow and see if i can get them to give me that $12 deal. Thanks!

HELP!!! Whats the best credit monitoring service right now? I used USAA for a while but cancelled it. I saw something about myfico on here but it only allows me to pull my scores not the reports daily. I dont recall how USAA was....did that allow to pull reports daily? Did i get the right product(the 3 bureau credit monitoring for $19.95/month)? I thought when i refresh it'll allow me to see the updated report AND score as of that day but it says something about next report i can pull being NEXT year!

HELP whats the best credit monitoring service right now? I used USAA for a while but cancelled it. I saw something about myfico on here but it only allows me to pull my scores not the reports daily. I dont recall how USAA was....did that allow to pull reports daily? Did i get the right product(the 3 bureau credit monitoring for $19.95/month)? Thanks!!

perfect. Thanks ahh that makes sense.

Dear XXXXX: We are in receipt of your request for file disclosure. In order to facilitate your request, please complete the enclosed Consumer Identification and Certification Form, personally sign and return it, along with a copy of your driver’s license or government-issued identification. Failure to observe these requirements could result in a delay to processing your request. Yikes i dont know if i want them to have my Driver's license info.

Just called them and they indeed have one on file for WAMU and BOA. I paid the BOA one off and was able to open an account when i worked there last year. They will be sending the report soon as i verify. I guess i will pay it off as they're my employer.