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ta1967

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    Rebuilding my credit of course!
  1. My situation is completely different than yours - but we went through pure hell trying to get a traditional mortgage. The first time, we thought everything was great and at the end, I was hysterical and so upset when they told us our income did not qualify because of being self employed and write offs. We tried again for a house that was half the price and found that we were going through hell again - not to mention extremely high closing costs. We were very lucky and searched until we found a FSBO that offered owner financing. The rate was 9% 15 year loan (fixed) but we had virtu
  2. Not sure if it is the holiday spirit or if I've just been a member for the right number of months but I tried the increase button on a number of accounts and got an increase on every one! I've tried this in the past a number of times without success so I wanted to let everyone know that I think that they may feel more CLI happy right before the holidays. I have tried the button numerous times in the past with no success. Been a member since around February. Examples: Express: $350 - $750 One Stop Plus- $500 to $900 Ann Taylor - $1000 to $1400 Victorias Secret- $500- $900 I
  3. "Agreed. Did you tell midland you were going for a mortgage?" No- I did not tell them I was going for a mortgage. I've sent out dispute letters, validation letters, etc. for a few months now. I went the full course with letters to no avail.
  4. Thanks for all your advice. I'm willing to PFD- but have heard they won't budge. And, I'm not sure if the broker is as smart as she would like to think. I don't think she believes that paying an old collection can lower his score. I've also wondered about the 680 thing. I know you get to one level once you get past 680, but it seems awfully high considering others that get approved for other loans below that.
  5. My husband and I are attempting to get a mortgage after being turned down by Navy Federal. We are now going through a broker. She has told us that his middle score needs to be 680 to go through Freddie Mac. He was at 672 when she pulled our credit a couple of weeks ago. The inquiry pulled it down to 668 since that time. I would just like everyones advice on which things I can do to raise his score. He has 5 inquires (two are from the mortgage inquiries). It's revolving is 4%. I think the total balance on credit cards is around $1200. Should we pay this completely off or no? He
  6. I'm asking myself the same thing. They have had my tax documents for nearly 2 weeks. I got the appraisal and the title docs the same day I got the denial. I'm incredibly depressed. They don't add back any itemized items from your taxes except depreciation. I thought I could breathe easier when the appraisal came back - but not. I guess they don't really look at the other things until much later. My LO was super and so nice through this whole process. I know she felt horrible when she had to call and tell me. Good luck to the rest of you.
  7. The appraisal came back today - over the price. We were so happy. Later the same day, we got a call that we had too many write offs in 2011. I guess if you are self employed and have a great accountant - you are out of luck. Even though we have paid over double (amount of mortgage), we are out of luck. Very sad day.
  8. Thanks for the replies. I know every loan is different. On a good note, I got the appraisal back just a few minutes ago. It came in over so that is one less thing to worry about. I just can't figure out if I am already in underwriting or if I will be now.
  9. Hello to everyone. I’m going through the process of buying a home. I did a pre-qualification with Navy Federal back in July. We really couldn’t find anything we were that interested in and wondered if we should wait until our credit is a little better. We’ve been rebuilding over the past year and have really crossed some hurdles. As it turned out, we found a house a couple of weeks ago. We made an offer and it was accepted. So, we did an application over the phone with NFCU. By the way, they have the absolute best people working for them. I spent over an hour chatting with
  10. ta1967

    Discover it

    Cape Coral
  11. I decided to try the love button a bit over a month ago- from $500 to $5K and it was instant. About a week later, I was so high again on how wonderful the feeling was, I went for 10K and it was instant. Both were soft pulls. About a week later, I applied for the line of credit. It took a minute or two but was pretty much instant. I got a hard pull on that one. Totally worth it. A few days later, I decided to go for the auto loan I've been thinking about. I believe they used the same credit pull (I think they only do one a month) and got the auto loan. They have been amazing e
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