dredee0

Another update. My cash to close was higher than I budgeted, so Im taking another route. However, I was approved $172,218. 3% down at 3% interest with Ally Homes, LLC.

IQuick update. I was preapproved for $160k. Extra $506 a month in student loans DEFINITELY hurts. Extra $170 on car note for new car doesnt help. I also know I needed to replace the car and at 28% interest, it was going to hurt worse. Found a couple houses, but the market in Atlanta is so hot. Put three offers in this morning. Once that is approved, I should close around Thanksgiving.

Quick update. I was preapproved for $160k. Extra $506 a month in student loans DEFINITELY hurts. Extra $170 on car note for new car doesnt help. I also know I needed to replace the car and at 28% interest, it was going to hurt worse. Found a couple houses, but the market in Atlanta is so hot. Put three offers in this morning. Once that is approved, I should close around Thanksgiving.

Love this forum!!!

Yes. The report was pulled. One lender said I need 20% down... Have two working on final approval.

Quick update. Hegemony seems to be RIGHT. The issue is the one specific third-party puller. I had Rocket Mortgage pull the credit. Gave me ALL three scores. Will get back with Equifax later, if the lender cant rectify it. He called, but got no one. Had to give him another extension.

Thanks. That is worthwhile information. Thanks for not getting stuck on what happened that created the problem.

Thanks. The first lender I used had another third-party broker.

Thanks. I will ask the broker if there is another step he needs to complete.

Thanks. I've not, but I will.

I agree, but that is NOT the point of the post and I dont want that to take over when we are seeking solutions.

Yes. The lender and everyone else is pulling TU and EXP just fine. This is stopping me from completing the approval for the home.

No. It says it cant be shown online.

ACR site? what is that?

EQ says there is no fraud alert, freeze, or block on the file. They do say the street address was changed today.... They said an FTC fraud dispute was sent on 9/10/2020. They say the lender is making a mistake because there is nothing indicating the lender cant access.