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JeffWeico wrote:I am in a similar situation. Went with Wells Fargo. They pulled my credit reports (scores were TU: 686, Equifax: 700, Experian: 648) I have a short credit history as I have paid cash for everything over the last 10 years or so (when I was young, I took on more credit than I could handle, and got into trouble, so I have a distaste for debt, particularly credit card debt).I have 9 months of good credit on 4 credit cards, 2 secured, and 2 unsecured. I carry low balances on all of them. I have a $70 medical collection account and a $50 medical collection account ONLY on Experian).The Wells Fargo rep told me this was not a problem, but that I had to document other sources of credit. So, I gave them the history from my cable TV, electric bill and phone bill. All were open for more than 24 months with no late payments.I was told that a $350 fee would expedite this, and was refundable in the event I was not approved, and if I WAS spproved, then the $350 would be applied to the appraisal. This sounded OK to me.The thing is, I have not heard from my rep for 3 weeks. I have left a couple of messages, but have not received a call back.Of course, right now, the credit markets seem to have totally siezed up.Has anyone experienced anything similar?A $350 loss will not kill me, but I was hoping to be able to buy a house - to take advantage of the $7,500 tax credit, and moderate prices. BTW this was for an FHA loan, although I have at least a 10% downpayment, and probably closer to 15%.Any information appreciated!Thanks,Jeff