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HopefullyDebtFree

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  1. We're you able to successfully get back to the representative you actually wanted to speak with? I've called and specifically asked for a certain CSR multiple times, they say it's random and they cannot transfer. Sent from my SM-G930P using Tapatalk
  2. Don't worry man. Their warranties are through warrantech. Only thing that could bite you in the flowers is if you no longer have the receipt. If thats the case MAYBE synch could retrieve it somehow. Good luck Sent from my SM-G930P using Tapatalk
  3. I know PRA won't do a pfd. Fha is an option however the apr of those seem to be so high. And the lower I can out down the better. That's why I'm hoping to be able to qualify for usda Sent from my SM-G930P using Tapatalk
  4. All of them have a dofd of dec 2013/january 2014. So they really are not that old. Sent from my SM-G930P using Tapatalk
  5. My accounts with PRA are the following amounts. Account 1 - $206 Account 2 - $945 Account 3 - $1045 These collections are being reported as late every month. Sometimes I wonder if paying them off would allow my credit score to incease even more because they will no longer be reporting me late every month. I also have a charge off from BOA for $800 that they report me late on every month. I really don't want to pay any of these people however if I have to pay them I will. Especially if it will benefit my credit score in the long run. Sent from my SM-G930P using Tapatalk
  6. Thank you everyone! My util is less than 1%. 3 collections from PRA say that I dispute the information, so I have to get that removed even though I'm not currently disputing? Middle score of 640 is the goal by September. There are so many companies out there for usda homes. I'm really not sure who I'd like to go with. Some builders require you to go through their lender so you save on closing costs and get free upgrades. I am not sure if I want a new home or a pre existing home. With that said im unsure who I'd want to sample pull my credit... I got to figure it out. Sent from my SM-G930P using Tapatalk
  7. Thanks for your reply brian. Im thinking start the pre approval process in september? My income is right at the max for usda loan in the county I'd like to purchase in. Also I know they need 2 months of bank statements. How much savings is too much on a 180k home to 250k. I would like to have around 15k in the bank at that time but I don't wanna have too much and get declined. Sent from my SM-G930P using Tapatalk
  8. I've been building my credit since June 2016. I honestly cannot believe I've been able to come so far as to be considering moving into my own house. Looking to get a usda loan in florida after my condo lease is up in december. I'd like to be able to move directly into a house. I want to know when I should start the process (like how many months before so its a smooth transition). I just pulled my mortgage scores from myfico EQ 648 / EX 626 / TU 598. Sent from my SM-G930P using Tapatalk
  9. Whychat what is your recommendation for using your letter if you have way more than just the 6 lines you provide? Just add more lines, even if it adds a second page? Sent from my SM-G920P using Tapatalk
  10. Congratulations on getting the keys how exciting! Who was the builder of the home if you don't mind me asking Sent from my SM-G920P using Tapatalk
  11. Thanks Kat, discovery was the friendliest of all [emoji7] [emoji7] . Sent from my SM-G920P using Tapatalk
  12. Thanks BigPoppa Sent from my SM-G920P using Tapatalk

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