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


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

TU: 614
EQ: 637
EX: 618

TU: 632
EQ: 622
EX: 596

Capital One Secured: $501
Capital One Unsecured: $3000
Wells Fargo: $5000
Established Member
Posts: 17
Registered: ‎12-31-2014
0 Kudos

Re: PreApproved!!!

Congratulations to you!!


Kepp up the good work :-)

Posts: 90
Registered: ‎06-21-2011
0 Kudos

Re: PreApproved!!!

Congrats! Enjoy your journey!

Regular Contributor
Posts: 213
Registered: ‎02-24-2017
0 Kudos

Re: PreApproved!!!

Valued Contributor
Posts: 1,284
Registered: ‎01-19-2015
0 Kudos

Re: PreApproved!!!

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

AmexPlat(NPSL) Amex BCP(26k) BofA CR Siggy(15k) NFCU CLOC(15K) AmexOpt (13.1k AU) NFCU VS Cash(12.5K) Venture WMC(10.25k) Walmart(10k) BofA BBR(10k) Lowes(10K) Discover(8.5k) Chase FU(7k) Pier 1(6.5k) BB Visa(6k) Care Credit (6k) J Crew(5.6k) Citi Diamond(5.5k) Barclaycard(5k) PenFed PCR(5K) Kohls(3k) Mortgage May 2017 - 2 Penfed auto loans May 2017

FICO 8 Scores EX 722(15) EQ 688(17)TU 717(18) AAOA 3.0yrs TCL=179,950
Valued Contributor
Posts: 1,616
Registered: ‎12-16-2014
0 Kudos

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.

Gardening till 2018, Goal of 700's by the end of 2017
MyFico Scores Aug 2017: EQ 675 TU 695 EXP 698
Frequent Contributor
Posts: 285
Registered: ‎07-20-2014
0 Kudos

Re: PreApproved!!!

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

Current - FICO 8/2017: EX(764); EQ(742); TU(710)
Beginning - FICO 7/2014: EX(630); EQ(608); TU(581)
Current Mortgage FICO - EX(739); EQ(730); TU(707)
Credit: Wells Fargo Home Projects Charge Card ($7,800); Wells Fargo Home Rebate Visa ($4,000); Capital One Quicksilver ($6,000); Capital One Venture ($5,500); Discover it ($3,600); Macy's ($20,000); BrandsMart ($4,000); Banana Republic ($1,200); Lowes ($12,000); Amex Everyday ($27,000); Macy's Amex ($14,000); Amex Platinum (NPSL); Citi Diamond Preferred ($9,000); Chase Freedom ($9,000)

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