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Please tell me it gets better

Established Contributor

Please tell me it gets better

Waiting for nelnet to get their act together, they are making a federal case about going in and updating the closed acct they forgot. Supervisor said she’d call me back but never got a cb.

LO repulled my scores so we can do RR, but he seems so frazzled lately I feel like he may not be walking me through this like I need. (EX 593 TU 651 EQ wouldn’t pull again so we have to go back through that mess)

I am the kind of person who needs to know the process he is about to do but lately he hasn’t been as relaxed when I try to ask a question.

Got to speak to his assistant today but he seemed kind of rude.

 

LO said he is trying to do this as cheap as possible, don't know what that means?

 

These are my scores without the 4 paid off cc acct and only 5 of the 16 nelnet lates removed.

 

I feel lost.

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Message 1 of 6
5 REPLIES
Super Contributor

Re: Please tell me it gets better

sounds like your loan officer isn't giving you the attention you deserve

 

 

Retired Lender
Message 2 of 6
Established Contributor

Re: Please tell me it gets better

I think if I wasn't a first time homebuyer this would be so much easier.

 

Talked to him again, he sounded less frazzled this time, he said RR would cost him 1100 for all 3 reports so after we get my EQ pulled, he''ll just pick a report to focus on then go with that one instead of RRing all 3.

 

Called nelnet back and collegue of the sup said she left for the day and he can't get letter bc he has no access to her email and credit bureau disputes is closed. Why does Nelnet have such awful customer service.

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Message 3 of 6
Valued Contributor

Re: Please tell me it gets better

Smiley Surprised
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 4 of 6
Highlighted
Established Contributor

Re: Please tell me it gets better

I did recieve the letter. TY

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Message 5 of 6
Valued Contributor

Re: Please tell me it gets better

Sorry. I was just shocked that Nelnet posted themselves here...talk about customer service! LOL Smiley Happy
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 6 of 6