joined the group
2 years, 2 months ago
rebuilding credit for pending mortgage
Hi, I have a middle mortgage fico score of 632. I got pre-approved for a conventional mortgage on a new construction home. I’m locked in my current rate for 8 months, however if my credit …
Diner’s Club Closed Account & Now Charge off
Hey Fellow Members, Long time no post, life and work gets in the way sometimes. However, I believe I have a unique situation and looking for a little adivce. I had the Diner’s …
What is with Dillards Amex/Wells Fargo???????
I was approved for a Dillards Amex, my first Wells Fargo account, October 1. I have received 2 statements thus far. I pay 2 to 3 times a month. After the first payment, it literally …
24pt score drop
So my EX score dropped 24 pts for a 44% to a 63% UTI increase. Does that even make sense? Have people been able to get these points back?
Cap One Report for Anyone Over Labor Day Weekend?
Hey guys, I had two credit cards that were supposed to report the 5th and 6th and neither of them did plus Discover my FICO score hasn’t updated on the 6th like it was supposed …
Mortgage, Home Equity, and other Loan Advice?
Good Afternoon! I purchased a foreclosed home 2 years ago for around $ 37,000. Basically, I put down $ 10,000 cash and borrowed $ 27,143 from my 401 K. Unfortunately a conventional mortgage wasn’t a …
Credit Score Help. Will having 2 car loans help or hurt my qualifications for a mortgage?
I just purchased a 21,000 car that I will payoff in 5 years. My brother in law wants to purchase a similar car but since he would always pay everything in cash, he has little …
Why does it cost more to build your own home than to buy one?
I’m trying to plan building my own home and buying a piece of land some time in the next 10 years, and the costs are ridiculous… Anyone know why there’s such a price hike for …
We are a married couple. My credit score is 767 and my wife’s credit score is 664. My annual salary is 104000 a year and her annual salary is 49000. I have no debt except …
What do you think about people giving God credit for the hard work doctors and nurses do?
I read this comment on a blog just now, really makes you think: “As a nurse, I can tell you that nothing makes a medical team angrier than a patient and their next of kin …
How much will I have to pay for closing cost?
I am buying a home. So far I have given 3,000 in earnest money, 395 for appraisal, and 275 for inspection. Just needed to know about how much I would need by the time closing …
My bank has affected my credit rating my charging my account for no reason! How can I get them to ch
They cancelled my overdraft a few months ago, and I received charges from them which have now been refunded! But as I went over my limit ( not my fault ) my credit scoring has …
I need help….. We will be selling our home and also have a 2nd mortgage…?
Now we will probably be lucky if we clear what we owe on the first mortgage…Can I sell if I owe money on the home equity loan? How does this work…. I really do need …
First time buyer in Ga, how can I get a lower or no closing cost?
Trying to by a home and I keep hearing people talk about first time buyer’s closing cost. But when I ask my bank Navy Fed or my realtor they dont know what im talking about. …
Claiming the 8k first time home buyers credit. I don’t qualify for the
mortgage but can be on the deed? So im buying a house with my girlfriend and need some advice. she doesn’t qualify for the tax rebate at all bc its not her first time buying …
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