Hit My Goal to Get my Mort Scores Above 740 Middle Ahead of Schedule!!!

[Carnut]

Just wanted to share my success in getting my scores where I wanted them to get the best mortgage loan rate offers.

 

I bought my 3B report one year ago to see where I was at and set my goal to turn my scores around and get them to a 740 middle score by June 2017 which is when I plan to buy a house.

 

There was no great magic that I did, just the typical removing of negatives on my reports and getting my revolving balances down to $0 with one card reporting $2.

 

I had some public records and lots of paid collections reporting.

 

I still have 1 negative on 2 CRA's and 3 on another but my scores are where they need to be 6 months ahead of schedule!

 

Just wanted to share this to encourage those with low scores that it can be done fairly quickly if you stay the course and not get too discouraged too early.

 

https://pix.sfly.com/n_yhDi

 

https://pix.sfly.com/JXsONa

Edited December 22, 2016 by Carnut

[Kat58]

Great Job!!!

[cv91915]

Beautiful!!

[Dragonfly66]

Congratulations, Carnut!! That is excellent. I am on the exact same journey with the exact same time frame. I'm not there yet, but I just broke the 700 barrier (702) with EX as of today so I'm on my way. I'm waiting for a BK13 and one other baddie to fall off in March 2017. I'm also working on lowering utilization and doing a goodwill for some 5-6 year old late payments on a previous mortgage. Hopefully that will get me there before June.

[Thestranger7]

Congrats Carnut. Thay is awesome. Like Dragonfly I have similar aspirations. Don't think my scores can reach quite that high due to a plethora of student loan lates (most recent 60+ months old) but i think I hope/think cracking 700 is possible. Will you still be waiting until June to save $$? Or are you in a position to start looking now?

[Carnut]

Congrats Carnut. Thay is awesome. Like Dragonfly I have similar aspirations. Don't think my scores can reach quite that high due to a plethora of student loan lates (most recent 60+ months old) but i think I hope/think cracking 700 is possible. Will you still be waiting until June to save $$? Or are you in a position to start looking now?

 

Just keep pushing!!!

 

I will be waiting till June as I'm currently working outside of the country and won't return to the USA (Home) till June. Hopefully interest rates don't climb too much by that time.

Congratulations, Carnut!! That is excellent. I am on the exact same journey with the exact same time frame. I'm not there yet, but I just broke the 700 barrier (702) with EX as of today so I'm on my way. I'm waiting for a BK13 and one other baddie to fall off in March 2017. I'm also working on lowering utilization and doing a goodwill for some 5-6 year old late payments on a previous mortgage. Hopefully that will get me there before June.

 

Thanks and keep it up on your side!!!

[Thestranger7]

Carnut - Dallas mentioned in other posts that while the low 3% days are gone he doesnt see 6% in near future. While no one can predict the future he knows what hes talking about. Ill need some time to save down payment as well, fingers crossed.