No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Will do.
@babyeyes00 wrote:I asked the lady if there was anything else that was factored into my denial. She said that I had a judgment and a collection acct. Both were paid and not recent. The judgment was 5 years old and the collection account was 3 years old and had reappeared on my credit. Im in the process of getting that one removed...again. I was told that when you apply for mortgages that collection accounts will appear from no where. Well that happened to me. Thank goodness I have the receipts to prove it and the letters from the CBs that deleted it. Good Luck to you.
As a follow-up to this conversation...
Just applied with NFCU and USAA. Instant preapproval with USAA, letter received via email message. NFCU rep said I was preapproved but a LO will call me for the details and LOA.
Thats awesome FSF. I still havent heard anything from USAA or wells fargo. We shall see.
@babyeyes00 wrote:Thats awesome FSF. I still havent heard anything from USAA or wells fargo. We shall see.
Thanks and good luck.
What are your FICO credit scores? I think I'm on the same boat as you, but my baddies are much more recent than yours.
In May last yearI applied to FGMC after getting denied via our builders lender and got approved with my mid at 640 and my fiance's mid at 617 with a recent collection on both of our accounts that has since been removed. At the time though it caused me a huggggggge amount of stress. We did get approved through automated though even with that. I then tried with Nationstar as they were the preferred lender for our builder for the incentives and since my fiance's score went up to their minimum of 620 and got approved through them at a lower 4.2% rate with the recent collections on both our reports.
@FSFdoppleganger wrote:
@babyeyes00 wrote:Thats awesome FSF. I still havent heard anything from USAA or wells fargo. We shall see.
Thanks and good luck.
Any update yet from USAA and Wellsfargo? Just curious.
Every situation is different, so don't worry. I just got a pre-approval through them today.
I'm not sure what's going on, but I have 3 paid judgements on my CR... all about 4-5 years old. I was approved for a home, and actually closed on the refi two months ago. Also, was just pre-approved for a second mortgage.
My suspicion is that it's because it's a MassHousing loan, and the judgement is for a student loan (govt backed I'm assuming??)