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Leesa926

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  1. Little upset as I had a collection deleted and my mid score wound up 691. I wanted at least 700 but the broker said I'll be fine. The big difference I would see at 740. Guess I can't complain only 4 years out of bankruptcy. Sent from my SM-G960U using Tapatalk
  2. My mid score is 686. I'm almost ready to apply for pre approval waiting until 3/17 as it will be 4 years post bankruptcy. I know I qualify now for FHA but waiting gives me more options (i.e. conventional) and since it's only 2 weeks away it's best to just wait My question is recently a collection popped up on my account (only negative other than bankruptcy) It's for $881 for a medical issue 3 years ago but started reporting in Dec. I disputed but they validated. They sent me a letter to settle for $500. My question is should I ask for a pay for delet
  3. Now I KNOW they say it is never good to take out of your 401k. I left my previous job in December. Was only there 4 years and have about 18k in the 401k. I'm thinking if I just take it out I can pay like 90% of our debt except a low interest car. We could pay the rest of non car debt within 4-6 months probably sooner. I know all the reasons not to but at the same time most people probably have a lot more in their 401k when they say don't touch it. My new job I have shares of stock that will vest in about 3 years. Current total would be $95,000 and I'm pretty sure it will be higher
  4. Thanks. Already doing that. Just moved cell provider (great deal with work perk), haven't had cable in 5 years. Our biggest issue is eating out and where we can save the most. I have a new instapot (gift) so gonna put that to use! Luckily no gym or starbucks but we definitely have waste so going to evaluate. Getting paid monthly now I think will actually help!
  5. Agree but I think it's probably better to pay off my high interest loan first. The rest of my unsecured debt is 0% for another year which I plan to pay off within the year not adding any additional. I'll have my 401k and stocks to save for retirement for now. Think that sounds like a plan, if anyone disagrees let me know.
  6. I have no intention of cashing in the stock just meant I will have that in 4 years but I plan to leave it alone. Same with 401k. I think I'm just nervous as having the 15k in the bank feels nice as savings and/or downpayment but thinking better to pay off the 16k loan (haven't found a better loan for it) Already cut up cc except a cash back that pays all our bill's each month that is paid in full. I now get paid monthly so trying to budget better. With the money I was paying on the loan I can put towards cc and savings plus my score should go up. Just mak
  7. Thank you. I appreciate all the help. No I don't think you are being mean at all. I am not planning on buying for at least 6 months-1 year + that's why I am looking to plan now. I admit I was emotional and pregnant during that post. The car payments we have I was getting mileage from work that paid one of them. Not the best scenario but it was needed (the 2nd car). I agree need to take a better look at how we handle money that's why I am wanting to see if it's better to pay off the debt with the cash we do have. I intend to pay off the cc within the 15 months befo
  8. Just went through and made a monthly budget. Trying to buy a house in the next year or so and came into some money trying to find best way to deal with it. Pay off debt, use as down payment, etc. I make decent money due to a new job and promotion this year. After bill's we have about 1500 left over not only paying minimum on the debt so I know we need to do something. Our debt is: - 16k loan high interest (about 16%) 4 years left about 500/month - 15k cc currently on 0% interest - 2 car payments totalling 750/month. Still 4 years to go. Decent
  9. I joined credit boards 12 years ago when I bought my first house and it helped me tremendously! Currently we are renting due to a job move and trying to decide best time to buy. Want to clean up any credit issues as well. Score around 675-700 but should go past 700 just had some high utilization I paid and inquiries that will fall soon. I have a few questions. 1- We filed bankruptcy but it was discharged in 3/2017 so my understanding is I'd be ok since 3 years have passed. 2- Sold our home 3/18 and many 1st time home buyer programs allow if you have
  10. I joined credit boards 12 years ago when I bought my first house and it helped me tremendously! Currently we are renting due to a job move and trying to decide best time to buy. Want to clean up any credit issues as well. Score around 675-700 but should go past 700 just had some high utilization I paid and inquiries that will fall soon. I have a few questions. 1- We filed bankruptcy but it was discharged in 3/2017 so my understanding is I'd be ok since 3 years have passed. 2- Sold our home 3/18 and many 1st time home buyer programs allow if you have
  11. I know, I know.... normally I wouldn't but I've been in panic mode....
  12. $59.99 as a 1x. They have monitoring as well. It came with the auto enhanced included on myfico
  13. Only EQ has the low auto scores the other 2 have Fico 9 at 650 and 664. Maybe that can help. Thanks all!
  14. Thanks just hoping not crazy interest! Don't think I've ever had a car loan over 2%...ugh
  15. Based on my scores above can I get a car loan. Decent loan I mean? Will having a coborrower even help? I could try my credit union as well
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