@tcbofade wrote:
@Imperfectfuture wrote:
@Anonymous wrote:Good morning and happy garden clubbing! Time to start looking around for a mortgage this month!
Was out sick yesterday. Am in the process, my first offer (land) has been accepted with contingencies. Earnest money ready whenever we get to that point in the construction loan process. They still have not pulled my scores with USDA. Got q few calls to make today. Hope your process is not quite the full time job mine is turning into.
In gardening news, no credit changes until mortgage closed. Good for gardening, bad if I want to close cards. Not sure what to do about aviator, because travel is not a priority for another year and three months. Ugh.
Do NOT close any of your accounts right now. When you close on your home and have the keys in your hand, close whatever you'd like. Big picture. You can do this!
Thanks.
@iheartwings wrote:
@aubie1kenobie2 wrote:So I started my pre-qual for my mortgage today and got new inquiries -- does that put me back to seedling? It's for a mortgage app (which is my goal), not for a CC (trying not to lose my precious gem!
)
I hate to be the bearer of bad news, but it does.
However, if you get multiple inquiries from mortgage shopping - the date of your first HP sets your clock, according to the guidelines:
Also, for those who are seeking a new mortgage or refinancing an existing one, we understand that your lender will pull your CRs multiple times before closing. For those GC'ers, the first hp will set your clock, not the subsequent pulls. However, if you are simply rate shopping, then the normal hp rules apply.
Oh well, it was fun having the sapphire for a little while. :-b Thanks for the info above. I'm trying to get all the inquiries for mortgage rate shopping within the 14 day window.
@aubie1kenobie2 wrote:
@iheartwings wrote:
@aubie1kenobie2 wrote:So I started my pre-qual for my mortgage today and got new inquiries -- does that put me back to seedling? It's for a mortgage app (which is my goal), not for a CC (trying not to lose my precious gem!
I hate to be the bearer of bad news, but it does.
However, if you get multiple inquiries from mortgage shopping - the date of your first HP sets your clock, according to the guidelines:
Also, for those who are seeking a new mortgage or refinancing an existing one, we understand that your lender will pull your CRs multiple times before closing. For those GC'ers, the first hp will set your clock, not the subsequent pulls. However, if you are simply rate shopping, then the normal hp rules apply.
Oh well, it was fun having the sapphire for a little while. :-b Thanks for the info above. I'm trying to get all the inquiries for mortgage rate shopping within the 14 day window.
LOL, I am trying to get the inquiries, the federal government moves SLOW!!
Today is already a wonderful day and it's not quite 7am here. I checked my CK and EQ finally dropped the judgement! I pulled a 1b from here because I should be able to pull a full report from CK in 4 days, but get this...my EQ score went up 80 freaking points! I'm fairly certain some of that was from paying down balances, but the report is still showing a balance of 900 bucks and I paid it down below 100 a few days ago. Even with the balance, I am now in the 800 club! I'm just so damn ecstatic! From 665 this time last year to a high achiever!
Just checking in 
Still trying to get the UTL down and the FICO numbers up!!!
I'm really feeling twitchy to hit some luv buttons.
I'm thinking it may be best to wait until after my statements post with much reduced balances.
Hi all,
I'm back for March check in.
Feb. accomplishments:
- Credit One (unpaid charge off) removed from reports after goodwill email (Midland now owns debt...yuck!)
- Capital One (authorized user tradeline; paid charge off) removed from reports after dispute
- Added new credit lines to decrease utilization
March goals:
- Remove last 2 negative tradelines: Midland Funding (Credit One charge off) + Capital One (paid charge off)
- Decrease utilization
- Break 650??
- NO inquiries!
Happy gardening all
@tcbofade wrote:Good morning boys, girls, pizzas, tortoises, and whatever cold is!
I've got some wonderfully stupid news to report...as most of you know, I'm sitting on the edge of my seat waiting for TWO credit card accounts to update their most recent statement information to the CRA's....both accounts cut statements on Sunday morning. Both accounts are with Capital One. This morning, ONE of the accounts updated, and the other has NOT.
What? How? Did the mule drop one of his mail bags???
In other news, Happy Birthday to me!
Hope y'all have a wonderful day in the garden!
HAPPY BIRTHDAY to YOU!!!
Gardening Until Further Notice