kpb

I can pray my citi business won't blow up. The rest are only sub prime. I guess my only main concern is fha in 3 years. If so, I am ok probably. Albeit depressed. TY, all.

T.Y...were you ever able to get any credit after the first 3 years? How long does the score tanking really take place? And how soon did it report? Thanks, again.

So after 3-4 years I might not be blacklisted?

In the end, we have a car and an apt now. If we moved in 2 years (to a new apt, not a home) hopefully my g.f with good c. would off-set it and when we move in 3-4 years to buy a home, it's ok with fha. I don't need credit for anything else, it's just frustrating to me. Then again, our parents might guarantee or send a large deposit anyway so who knows. We won't want anything over $180k anyway. TY, once again to all of you!

I have sub prime accounts (mostly) and it's probably best to not have more credit. Though I did want one real card for personal. (have one for business) I just got notice of it. I hope it at least delays a bit...the lady at the irs gave me the lien dept phone # and I'll know if the payment plan is approved. If not, maybe I do offer in compromise. I was told (just told, I cannot confirm this) from the IRS rep #1 of 3 that I talked to today that if its in compromise they can call it back. ????

Centex>>Did it report on cra? Is it still reporting? Ty

I am setting up the payment plan now. Back taxes, but on 12/31 I was setting up a payment plan but forgot to file the 433 form which helps them make it OFFICIAL So I blew it and now they said they filed a lien 1st of month. I didn't get a warning and like a dummy I was waiting for confirmation of the pay plan. It's my fault, it will be paid in 3-5 year and I MIGHT (maybe, a small chance) qualify for a offer of compromise. That said, If I had natural 740-750 scores from this year and projected 760 next 2 years, would it still be under 600 in 2 years? Would a pay plan showing be useful for FHA? I only care about the house options in 3 years. TY, guys.

ttt

Vacated? T.y for your time.

Will the score at least pick up after 2 years? Do all report instantly? My only concern is honestly getting FHA in 2-3 years when it's satisfied. Would I stand a shot? Thanks for your time.

Not reporting now but I bet it will It'll be paid in a few years unless I can deliver an offer in compromise within the next month Does it report instantly? If after 2 years I want to buy a house, am I still going to be denied? Without util, my score would be 740+ for the reports but will it dip 200 points? I just want to die.

Thanks, bleh that stinks.

Did Authorize.net perform a hard inquiry on your credit report?

under 15%

By citi, do you mean gas cards or even citi business? I was told they never report so I just wanted to confirm. TY