Nella Tracker

Re: Switching from Conventional to FHA During Contract

Nella — Mon, 25 Mar 2013 14:21:40 GMT

You will be just fine. I just closed on March 5th and my LO did the same thing. Put in the offer as conventional and during escrow

changed to FHA as I was able to get more lender credit. I am in California as well. Good Luck!!!

Re: Closing In California

Nella — Fri, 12 Oct 2012 16:54:48 GMT

Awesome!!! Congratulations. I too am in California, got all my documents ready today to send to mortgage broker and

will apply next week once my cc post to the credit bureaus just paid all down to have 7% uti. It's very exciting!!

Re: Just paid down UTI, anxiously awaiting

Nella — Wed, 19 Sep 2012 20:50:44 GMT

I was really trying to apply for a mortgage by October 15th. My other credit card with a balance of zero should report by

October 12th. We have until Dec. 31st to be out of our current residence and I feel like I am really cutting it close! Hopefully

everything will work out. I really need that mid-score of 640.

Re: Just paid down UTI, anxiously awaiting

Nella — Wed, 19 Sep 2012 15:07:46 GMT

Well I only received a 13 point increase. I am up to 605 for my equifax score and I am at 43% UTI. Hopefully it will be

better next month once I pay down the rest. I really need to have a mid-score of 640.

Re: Just paid down UTI, anxiously awaiting

Nella — Thu, 13 Sep 2012 17:14:04 GMT

Thanks! I am going to pay the rest of my CC's down at the beginning of Oct. So by the middle of the month should have

9% UTI or less!

Just paid down UTI, anxiously awaiting

Nella — Thu, 13 Sep 2012 15:17:09 GMT

Just paid my cc and going from UTI of 95% to 43%. I have to wait until next week to see what, if any, increase will be in

my scores. Very nervous, hoping for a high boost. I really need to have a midscore of 640 by middle of next month!

Re: Score Change... not what I was hoping for.

Nella — Mon, 27 Aug 2012 14:50:12 GMT

Awesome!! Keep up the good work.

Any predictions for amount of increase.

Nella — Fri, 24 Aug 2012 17:43:38 GMT

I am wondering what my score would be when the following occurs...I currently have 2 cc's with a total uti of 89%

and will pay them down to about 50% a the end of this month. (Next month I will get them down to below 9%)

Also my new car loan will reach the 6 month mark at the end of the mark. My AAoA is 3 years with my oldest

account being at 5 years 11mo's.

Thanks to all who respond!

Re: 6 Months with auto loan any impact on score?

Nella — Thu, 26 Jul 2012 14:28:24 GMT

Got it! So you did get a lil something, something...good to know =)

Re: 6 Months with auto loan any impact on score?

Nella — Wed, 25 Jul 2012 15:27:01 GMT

Thanks Revelate...that's good to know. It might have been your decrease in UTI but any little bit helps!

Re: 6 Months with auto loan any impact on score?

Nella — Tue, 24 Jul 2012 02:08:39 GMT

Thanks for respond Pizza Dude.

6 Months with auto loan any impact on score?

Nella — Tue, 24 Jul 2012 01:50:46 GMT

Good Evening Everyone,

I purchased a vehicle back in February of this year. Just wondering for anyone who has purchased

a vehicle recently, did you receive any credit boost after 6 months of on time payments.

After reading some of the posts I haven't really heard of any boost that people have received.

Thanks to all who respond :smileyhappy:

Re: HELP with response to BBB for a LVNV dispute

Nella — Tue, 08 May 2012 19:43:54 GMT

Just received a response from the BBB and LVNV will be removing both tradelines. Hopefully this will provide a

nice jump in my score. So excited!! Thanks to all for your help.

HELP with response to BBB for a LVNV dispute UPDATE

Nella — Tue, 08 May 2012 19:44:37 GMT

Can someone pls give me an example of a letter that was sent to respond to a dispute with BBB regrding

LVNV please...they are reporting supposed debt as a revolving debt...please help, especially those that

have had success with a LVNV removal.

Thanks!!

Re: Score bump!

Nella — Thu, 26 Apr 2012 16:52:53 GMT

Congrats, that is so AWESOME!

Re: LVNV Funding success!!

Nella — Mon, 16 Apr 2012 17:15:49 GMT

Congrats!! When did you file your complaint with BBB and how long did it take for you to receive a

response?

Just curious, I just filed one on 04/13/2012 regarding LVNV as well.

Small baby steps

Nella — Sat, 14 Apr 2012 15:33:20 GMT

Got my UTI from 43% down to 17%. Obtained a 16 point increase from 583 to 599!!! Very excited. Hopefully I will

be able to buy a house before the end of the year!!!

Re: First premier CO credit card offer

Nella — Thu, 12 Apr 2012 21:55:07 GMT

Very intersting. I sort of had the same issue. I had FP charge off from 2006 and in Nov they offered me

another card. My CO is still listed and I have a $300 limit on my new card. I am currently waiting on a DV for

the charge off. Curious to see what they do.

If you are repairing your credit, I would take the deal. Make sure they will remove one, if not both, of the

charge offs.

Re: Old Charge off, New Card with the same company...now what?

Nella — Tue, 10 Apr 2012 20:46:19 GMT

Oh no...now I am worried. That's not good...

Re: Old Charge off, New Card with the same company...now what?

Nella — Tue, 10 Apr 2012 20:31:08 GMT

It is showing charge off with a balance. I really think that it is weird, they give me a new card

with a charge off with their company???