crc3

Yes, definately do this... I used Navy Federal's realtor services and I got a nice fat 2,500 dollar check after settlement Unfortunately my credit union does not do mortgages, but I didn't realize it until now. i guess i kind of figured all banks did mortgages. I just recently switched to Chase but I don't have a branch in my city. So, outside of a credit union, are there any other commercial banks that offer these referral services?

Wow, did an online dispute with TransUnion and simply stated that the file should have dropped off on the date where they had it updating. Took less than a week! Went from a 670 to a 736! Never would have thought a dispute would be that easy and fast!

I feel like I read enough that I could do it without a realtor. I prefer to have one however. I would not sign an exclusive deal with a buyer's agent though. I did that the first time and would not again. The second time I had a buyer's agent but I like the option to buy without an agent. An agent has details on properties that you may not be able to get, but most properties you can find yourself. There are some you can find which they won't find. You can negotiate for whatever you want but sellers often don't like giving allowances. Mostly they only give allowances that are necessary for something that is broken or old or missing. Like a carpet allowance if the carpet has some stains is the very common one. You should read more regarding putting less down, type of loan to get, etc. Google and read real estate and finance forums. I'll definitely give it a shot. This whole process is a bit unsettling and I'm a natural skeptic. I've been wondering who throughout this whole process is the one that should be looking out for me (other than myself of course)......the bank, the realtor, buying agent???? A bit scary I'd have to say.

First have you been preapproved for financing and found out how much you can afford to buy? This is where you start no one will take you serious as a buyer until then. Once you have a ball park get an agent and start shopping........Once you find a place work with the agent to negotiate a good deal - Once you have a contract work will realy start on the loan - in the mean time work with your lender to get them everything they need to speed things along once you are in contract. Hope this helps Brian Thanks a lot! It did help a lot. I guess the first stop is the bank. I was just worried that I may not want to pull the trigger now and want to wait which would mean that I would have to get a hard pull on my credit again. Has anyone ever heard of using the SHIP program or any other Down payment assistance programs?

Yes you need a Realtor. How are you going to gain access to all of the homes you find on the aforementioned sites? Not to mention third party real estate websites are riddles with inaccuracies. Would you go to trial without an attorney? This is probably the biggest purchase of your life. Why wouldn't you have representation. Representation who in most cases is compensated by the seller, not you. Thanks! See that's the type of info that I need!

Ok, so after scouring this forum and trying my best to find resources to help me in buying my first home, I have realized one thing.......I am totally clueless. I'm confused if a conventional loan is better than a FHA loan. My middle FICO is 760 so I would think I could get either. I am trying my best overall deal for myself and I think this is where the phrase comes to play "Knowledge is Power!" Unfortunately, i've now read a few books and it has explained general buying questions, but I still can't find the real information on how to get the best deal AS A BUYER. By this I mean, what can I negotiate for? Can I get more money than the asking price to buy furniture and maybe small renovations? How can I put the smallest amount down so I can keep cash reserves to keep me more at ease? Do I really need a realtor and why? Are they going to show me different homes that I can't find on Homes.com, Zillow, HotPads or any of the other million real estate websites? It seems like realtors are like tax accountants, and now that I do my own taxes, I not only save money, I get bigger tax refunds, lol! I guess I'd just love to know where to start and how to finish strong. It's funny how I can be so good at my profession and so utterly clueless about home buying! I try to laugh but it's unbelievable how frustrating this is. I'd love any help. No matter how small, it would be much appreciated! General Stats: Buying a new home in Florida Excellent Credit (Thanks Creditboards.com!) Excellent Employment History 8K in CC Debt Own a car (if that matters at all - collateral)

Well, I hope someone can offer some suggestions. I'd love to make sure i'm doing the right thing. Right now, i'm leaning toward doing a balance transfer so I can put all my tax refund toward it and maybe my fico will recover by the summer. I'm thinking with the additional trade line, it would increase my available credit and my overall utilization would lower.

Thanks!!! I'll definitely give it a shot!!!

My paycheck were garnished and my tax refunds went towards them starting in 2001. They finished in 2008. I'm confused as to how TransUnion listed the two educational loans as "updated" in January 2009 while Equifax and Experian just dropped them off. Because of it listing it as "updating" instead of just clearing off at that time, it's now saying it will fall off in 2015! Can i still dispute it the way you referenced before? Is there a cost to use that service?

So I should tell TransUnion that the same accounts have been taken off of my Equifax and Experian? I guess I was just scared that I would do something to put that bad account back on my good reports.

Possibly. I'm not looking to get a mega mansion or anything, but I may get two properties. One to live in and another as an investment.

My Equifax is 780, my Experian is 750 and my TransUnion is 660 (disputing something on there that has already been taken of the other two) and I have about 8K in debt that i'd like to handle. Current utilization is about 15% I think.

Thanks for your reply! What is the CFPB?

Thanks! I was thinking about doing a balance transfer, but I just thought trying to buy a home and getting a new credit card around the same time may not be good. No hard pulls currently show up on my report so should I do the balance transfer and then apply for a mortgage or will that lower my scores so much my loan interest rate would rise?

Greetings, TransUnion is still reporting a PAID COLLECTION from two federal student loans that defaulted back in 2001. The accounts fell off both Equifax and Experian back at the end of 2008 and those scores shot up. The account was paid, but TransUnion is showing that my account was updated in January of 2009. So it looks like while it fell off of the other reports, TransUnion looked at it as new activity and now says it won't fall off until December of 2015. Please tell me there is something I can do about this. I have a 780 on Equifax and a 747 on Experian but my TransUnion is only 680 unfortunately. I know if I can resolve this, that score would improve drastically.