Well congrats on your progress, and I agree, anything worth having is worth working for.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Just to add... I closed on a streamline FHA mortgage in October; they did not pull my husbands credit (we are in Oklahoma)
It really depends if you are in a community property state. My husband had to sign some papers at closing but other than that it was real easy.
It really depends if you are in a community property state. My husband had to sign some papers at closing but other than that it was real easy.
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!