Love the Recon's

[Cwaxler2008]

A little history, 1 month ago app spree all denied, pulled credit disputed inaccuracies and fast forward to this week.  I was approved for a $10,000 NFCU Nrewards Visa, a $1000 NFCU Mastercard and just now through recon a $1000 Chase Freedon not much with Chase but at least I'm in the door and then Discover Mor $5000--- but all prime! I am done with Orchard Bank, Emblem and Total--YEAH!  And I owe it all to these boards and you awesome people, Thanks so very much--i have tryed for years and finally i am on the right track! Still alot of work to go but very greatful that's for sure.

Now one question for all you pro's--how long do I let these age before applying for a VA loan with my husband?  I am for sure gardening just need some recommendations as we are being relocated to Florida in May and would love to buy a home.

Thanks again!

[Mellon]

wow you got Chase & Discover with sub 600 EQ.....congrats

[logan_720]

A bit surprising IMO. 

[Cwaxler2008]

Thank you- I have EQ and Ex frozen and thye both pulled TU since, Thank god, cause that's my best score!

[bichonmom]

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@Cwaxler2008 wrote:

A little history, 1 month ago app spree all denied, pulled credit disputed inaccuracies and fast forward to this week.  I was approved for a $10,000 NFCU Nrewards Visa, a $1000 NFCU Mastercard and just now through recon a $1000 Chase Freedon not much with Chase but at least I'm in the door and then Discover Mor $5000--- but all prime! I am done with Orchard Bank, Emblem and Total--YEAH!  And I owe it all to these boards and you awesome people, Thanks so very much--i have tryed for years and finally i am on the right track! Still alot of work to go but very greatful that's for sure.

Now one question for all you pro's--how long do I let these age before applying for a VA loan with my husband?  I am for sure gardening just need some recommendations as we are being relocated to Florida in May and would love to buy a home.

Thanks again!

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Congrats! Great work. I'm not sure what you mean by a VA loan. Are you talking about a mortgage? In general, you're not supposed to app for anything at least 6 mos before buying a home. I'd take a look at your scores in 6 mos and see where you are then.

[LS2982]

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@Cwaxler2008 wrote:

A little history, 1 month ago app spree all denied, pulled credit disputed inaccuracies and fast forward to this week.  I was approved for a $10,000 NFCU Nrewards Visa, a $1000 NFCU Mastercard and just now through recon a $1000 Chase Freedon not much with Chase but at least I'm in the door and then Discover Mor $5000--- but all prime! I am done with Orchard Bank, Emblem and Total--YEAH!  And I owe it all to these boards and you awesome people, Thanks so very much--i have tryed for years and finally i am on the right track! Still alot of work to go but very greatful that's for sure.

Now one question for all you pro's--how long do I let these age before applying for a VA loan with my husband?  I am for sure gardening just need some recommendations as we are being relocated to Florida in May and would love to buy a home.

Thanks again!

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At least a year. Repair your scores from the apps.

[singulardedication]

I know you would love to close the old cards with AF, but I wonder if short term like 6-12m it may be better to keep them open?