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Just wondering what you guys think my chances are, or if you think I should wait. I will be looking to app next month when my 4 newest accounts are all 6 months old and after I close on my condo at the end of the month. My stats are as follows:
UWCU CC - 0/1000 /// 5 yrs 5 months old /// 1-30 day late from 2012
UWCU LoC - 0/500 /// 5 yrs 5 months old /// 2 30-day lates from 2010
UWCU LoC - 0/500 /// 6 months old
Cap1 QSO - 15/2300 /// 6 months old
BofA Cash Rewards - 0/2000 /// 5 months old
AMEX BCE AU - 0/6000 /// 5 months old
Utilization is <1%
12,000 Car Loan /// 1 year 4 months old (Reports only to TransUnion)
AAoA: 2 Years
PAID $150 Collection /// 2 years 2 months old
PAID $259 Collection /// 1 year 2 months old
12 INQs on TU /// 7 in last year /// 5 for mortgage in a span of 4 months
8 INQs on EQ /// 7 in last year /// 5 for mortage in a span of 4 months
EX should be similar to EQ
Mortgage will be for 124K but most likely will not be reporting at time of apps
Income is 50K/year
Open to all opinions and advice!
EDIT to add the scores in my sig are from March. My EQ score per ScoreWatch is up to 654. I will be pulling all 3 scores and reports via MyFico before apping to see where I stand
BUMP
Looking for some opinions on this..thanks
Home depot yes...
Barclay Sallie Mae no....
Just my opinion though I have been wrond in the past and will be wrong again. I am sure after I post this some of the forum guru's will be along to disagree.
Scores look a little low to me sorry and some lenders are also known to pull again just before closing which could lower scores again