This past Sept, I attempted to refi my home to buyout my ex. All I could qualify for was subprime loans with interest rates through the ceiling. I brought some of the bad credit on myself, refusing to pay for things belonging to my ex not realizing that it was affecting my credit scores. I found credit boards in November and this month I close my loan with a decent rate and a payment I can live with due to scores that have risen over 100 pts in just a few months. I could not have done this without the knowledge and help of all the posters on credit boards. With my new-found knowledge, I was even able to get Sherman and IC Systems removed from all 3 reports. For all this knowledge, my kids and I owe you many thanks for being able to keep our home of 15 plus years.

As a side note, I have also been able to build credit for my business. In the same short period of time, I have gotten the elusive paydex of 80.
Thanks to all CBers who post.

I'm just jealous that you can afford a house in SoCal in this day and age! I'm 22, moved here a year and change ago, and even with a kickass credit score (Thanks, CB!) I don't see how I can buy a home unless my income triples...

I was 20 when we bought our first home through VA. The housing market exploded back in the late 80's sold it and moved up with the equity. If I had to buy a house outright in my own neighborhood, I wouldn't be able to afford it. Get a condo somewhere down there if you can't afford a home. The equity will build up before you know it in your zip code then you will be on your way. See now I am jealous cause I would love to be near the beach

thanks for your story! the knowledge on this board is top notch!!