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  1. Hello, Does anyone know if amex pfd? if so how do you go about it? From what date does the acct drop off- Date reported? Date opened? Last Reported? thanks
  2. I just googled it and yes you are right, they dropped from 640 to 600 and it looks like BOA and Chase are going to follow they're lead. thanks awesome info!
  3. Oh, well that works out well then! My husband and I are also hoping to buy the house we're currently renting, when our lease is up in a year and a half. Are you a first time homebuyer? If so, look into your state's first time homebuyer programs. Every state has a housing finance agency, that provides funds to lenders for first time homebuyer mortgages. They usually have reduced credit standards, and sometimes down payment assistance. They do have income limits and purchase price limits, however. Good luck! ty good luck!
  4. at this point any bank except a hardmoney lender... so I should try smaller banks instead of the major banks?
  5. Cap 1 does not PFD (sucks) lol where do I find that info (FCRA)? ty!
  6. as far as I know Amex still has it ive also read they don't usually sell their bad debts to CA's
  7. I want to buy the rental I am in now. my lease has ended but the landlord has given me an addtl 3 months to be able to qualify. so, basically, I have the house I just need the mortgage, to close and im already moved in lol! TU is at 584 Experian is at 560 thanks
  8. Hello, so I am trying to purchase my 1st home, and unfortunately I have less than 3 months to do so or I have to move. I am 50 points from qualifying for the mortgage and this is what I have on my CR: $2885.00 Chr. off with Amex that's about to turn 7 years $1492.00 Chr. off with capital one which I have negotiated a settlement on for $750 $500 medical collection. I need advice on what I can do to get my credit score as high as possible with in the next 3 months. please help! much appreciated!
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