My husband was at 555, now at 786.  Up, down, up down.  Just keep plugging along and improvement will come your way. ... View more

Looks like you can get yourself into trouble.  As a business owner myself, NEVER expect that today's contracts will last.  $40k isn't a lot of savings if things go south and you are making auto and mortgage payments.   @MauiMan85297 wrote: You have to go the non QM way because you don't qualify for any loan at this point for a self employed earner.  You will have to wait 2 years because 2020 return you say was basically nothing so you will have to use 21/22 returns and make sure you don't write a lot of expenses off. Otherwise non QM loans will be much higher rates but they'll be flexible about the old vs new income ... View more

NFCU doesn't ask the REASON for the loan.  It's a loan. ... View more

Husband gained 32.  I removed him from the CC as AU that I used for our new furnace. ... View more

Cap one is likely to work with you on one removal....that should help greatly.  Just keep sending them letters asking them to delete. ... View more

I believe that this can be 'settled' with Cap One on the lates.  Send a letter to one of the higher-up's and explain the situation.  Don't stop until you hear what you want to hear. ... View more

I remember you well!  Covid has hit a lot of people hard.  The most important thing is your health, food and shelter.  All else can, and will, be dealt with.   I don't have any direct advice for you, but stay the course and you'll be rewarded with good credit again.   ... View more

First Card, Small balance   Second card 10,500 0 balance   Never late and usually PIF ... View more

You never know with NFCU.  My husband is stuck at 7500 limit after YEARS.  His fico is almost 800, 180k earnings and zero mortage, free and clear.  Total debts are $800/monthly.     He just moved onto Discover, who has been awesome!!!!! ... View more

I only use Lowe's for those 300+ purchases, 0% for six months.   Otherwise, it's to receive the 5% and pay it off immediately. ... View more

I don't understand Synchrony.  What THEY don't understand, or seem to care about, is HOW this could affect our accounts. What if you did not have the funds to cover and other bills were rejected?  This is something that should NOT happen. ... View more

Easy, Capital One gave me a full credit for 2.68 due to an error I made.  Just called and asked.  The girl laughed and said 'done'. ... View more

My husband started at $1,500.  Called the backdoor and shot up to $10,000.  Four years have passed and not one single increase.  His score is now in the 750 range, so well....we shall see.     Not one late payment, met all the requirements.           ... View more

WARNING!     It would appear that NFCU has begun to 'tighten their belts' during this Pandemic.  I applied for a 5800 loan to pay off their CC and got a denial.  Reason:  One CC with them has a balance over 2499.00 / YMMV / Own home free and clear, $150k income 750 fico which they pulled.     How long to wait it up to you.  Your starting limit will probably be fairly small, but it can grow. ... View more

Applied for a loan to pay off CC // I just went ahead and scheduled the payoff from my checking.  Just surprised.  Oh well. ... View more

Had a very similar issue with Huntington Bank.  I paid what was on the 'late notice' they sent me same day I received it.  Paid what was on the regular statement following month.  And I was hit with one 30 day.  I haven't bothered asking for goodwill as it's just one on the account and it cost 25 points.  I would say that once you've 'caught up', your score will rebound a bit.  I would speak to the loan officer for your new home and tell him/her what happened.  If this is your 'only', it may go ahead and pass.  However, your score has really dropped, so that will play a factor.  I hate that this happened to you and I feel for both of you. ... View more

Ok Seinfeld, just go ahead and get that check deposited, lol!!!! ... View more

I think you'll be just fine! ... View more

Nope to NFCU.  You need to pay them 100% or forget about it.  They will be your friend once you've accomplished that! ... View more

My DMP did not ruin my credit.  Nor was I required to be late on anything.   ... View more

Here is what I would do (and have done).  That car payment is just too much!  Get something less $ per month. Yes, I used a debt counseling service and it saved my financial life.  Some are bad and some aren't.  Mine was awesome.  Every single one of my accounts ageed to 0% interest.  I believe my time was 36 months.  Get that car payment lowered.  You need savings.  $138 per month just isn't enough for emergencies. Sell whatever you can to make some money.  Get a p/t job until you have emergency savings. Cut back on everything you can.  You CAN do this.   ... View more

I would: PRONTO be looking for a p/t position somewhere. PRONTO be looking for items to sell PRONTO be looking for a possible roomate.   Anything to bring in extra cash to cover what the lawfirms payment will be.   My friend got stuck in a hot mess and ended up cleaning houses.  It didn't take her long to climb out of that hole.  I HOPE you can find a viable way to earn extra money for yourself.  And sure, things happen.  Do whatever you have to do to keep a roof over your head. ... View more