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Established Member
Posts: 20
Registered: ‎02-22-2017

PreApproved!!!

I've never really thought about buying a house because I was afraid of even looking at my credit score.  At the encouragement (ie insistence) of my fiance, I checked my scores three months ago.  It was not great.  Not bad, but not great.  What I thought was bad credit was really just lack of credit.  I spent the next three months paying and deleting collections, keeping my card below 9% and even getting a new, unsecured card.  

I am ecstatic to report that I was just preapproved for my first house.  Let the shopping begin.

 

Thanks to everyone on this board.  This board has been a tremendous resource and I am forever grateful that I found it

2/2017
TU: 614
EQ: 637
EX: 618

Current
TU: 632
EQ: 622
EX: 596

Capital One Secured: $501
Capital One Unsecured: $3000
Wells Fargo: $5000
Established Member
Posts: 12
Registered: ‎12-31-2014
0

Re: PreApproved!!!

Congratulations to you!!

 

Kepp up the good work :-)

Contributor
Posts: 84
Registered: ‎06-21-2011
0

Re: PreApproved!!!

Congrats! Enjoy your journey!

Contributor
Posts: 93
Registered: ‎02-24-2017
0

Re: PreApproved!!!

Congratulations!
Established Contributor
Posts: 722
Registered: ‎01-19-2015
0

Re: PreApproved!!!

Good luck to you on your mortgage journey!!Smiley Happy


AmexPlat(NPSL) AmexOpt (13.1k AU) Walmart(10k) Discover(8k) BB Visa(6k) Pier 1(3.5k) Kohls(3k) J Crew (1.4k) Amex Delta Gold(5k) Amex BCP(22k) BofA(15k) Barclaycard(5k) Venture WMC(6.45k) Chase FU(7k) QS(3.3k)Citi Diamond (4.5k)

FICO 8 Scores EX 730(19) EQ 689(13)TU 724(22) Mortg Scores EX 691 EQ 671 TU 711 (April 4 2017) AAOA 3.3yrs TCL=113,250.00
Valued Contributor
Posts: 1,378
Registered: ‎12-16-2014
0

Re: PreApproved!!!

Congrats on the preapproval.  Even after you have your mortgage continue to work on your scores, I lived for many years with limited options because I didn't believe I could have decent credit and get solid approvals for CC, car loans and mortgages but the past three years have been much easier having those options.  It doesn't take as much work as many think and the folks here are great at helping you reach your goals.

NFCU Go Rewards 18k, NFCU Go Rewards AU 22k, NFCU CLOC 15k, NFCU N Rewards 2k, Amex ED preferred 12k, Amex BC 1k, USAA CL 2k, Hawaiian Air Barclay 1.2k, Venture One 10.1k, Target 3.5k, Citi Costco 2k, Citi AAdvantage 7k, NFCU Platinum AR $2.4K, Penfed Platinum Rewards $5.5k. PayPal 2.2K

Gardening till 2018, Goal of 700's by the end of 2017
MyFico Scores April 2017: EQ 667 TU 696 EXP 690
Regular Contributor
Posts: 195
Registered: ‎07-20-2014
0

Re: PreApproved!!!

Congratulations!!!  I'm on the same journey.

Current - FICO 3/2017: EX(760); EQ(729); TU(711)
Beginning - FICO 7/2014: EX(630); EQ(608); TU(581)
Credit: Wells Fargo Home Projects Visa ($7,800); Wells Fargo Home Rebate Visa ($4,000); Capital One Quicksilver ($6,000); Capital One Venture ($5,500); Discover it ($3,300); Macy's ($9,300); BrandsMart ($3,000); Banana Republic ($600); Lowes ($5,000); Amex Everyday ($3,000); Macy's Amex ($5,000)

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