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Showing results for tags 'back to square one'.
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Wow, hard to believe I've been a part of CB for 10 years. I initially joined when I was looking for help to fix up our credit in preparation for buying a house - which we did, in June 2005, then lost to BK/FC in 2010. We've been mostly happy with renting since then, but now that DH and I are both secure in our employment (as secure as can be these days, anyway), we're starting to think about buying again. I pulled our FICOs this morning to see where we're at and - hoooo boy. My credit is actually in about as good of shape as its ever been, although there's defnite room for improvement - EQ 669 / EX 667 / TU 632. When we bought almost 10 years ago I was struggling to get to a 640 mid. I've opened some new credit - CapOne, Sears MC, and Amazon, and went back to school in 2012 so I have school loans reporting positively (even though they're in deferment for at least two more years). We also bought a car this past January - in my name only, at 0.9% (put down >20%). At a glance, my only real baddies are the stuff reporting as IIB. DH on the other hand...we've done absolutely nothing with his credit since the BK. Neither of our vehicles have his name on them. He had one card that we opened not long after the BK to get through a tight patch and then stupid, stupid, stupidly let go to C/O. He's got student loans in default up the wazoo - that's a whole other credit fix-em-up challenge that I am NOT looking forward to, but it is what it is. His scores: EQ 544 / EX 534 / TU 501. Ouch. So here I am again, re-reading and re-learning.
