Ok, I am frustrated and dont know what to do. I dont get these scores, they are just all over the place, despite my best efforts. I have paid down as much as I can. I want to build a house that will cost 206,000. I own the 19 acres (worth around 22-25K per acre) free and clear, have the deed. My scores today were :
TU 629
Eq 630
EXP 619 (they hate me)
Do i have any hope of getting a loan?
Any suggestions?
My debt ratio is low and I make about 120K year
have rented for the last 5 years at 1200/mo and have a letter from the landlord stating I pay on time and have never been late...
please help
thanks