01-13-2013 03:54 PM
Sales contract sign, earnest money put down, Property to be completed in March, Est Closing in mid-Aprill.
Mission: get middle score to 640 (probably going to be EQ bc I have collection being removed from it)
Plan (so far): reduce util. from 80s to 20s (or below) and get final collection removed, GW any lates and GW C/O from 2007
01-13-2013 04:21 PM
01-13-2013 04:34 PM
01-13-2013 04:59 PM - edited 01-13-2013 05:05 PM
Mid score is 548, I am working with preferred lender of builder, everything already pulled and reviewed. Lender advisedly of what to do and with rapid restore believes util will bump my score where it needs to be. Lender recommended only signing contract for a new construction so I have a few months to accomplish this.
Contract has a financing clause so I get my money back if I don't get full financing approval.
01-13-2013 05:02 PM
01-13-2013 05:58 PM - edited 01-13-2013 05:59 PM
Yes that is the last collection. I do have a late on an old walmart card that I am trying to goodwill- they agreed to delete one but left another (I am pleading for the other), I havent had any lates in a year. Last late before the wally was in early 2011.
Only C/O is from 2007.