Credit Card Center Advertiser Disclosure†
08-08-2012 09:47 AM
Last week wednesday i applied with wells fargo through an old LO I knew from back in the day and she said on Friday that she would start working on my file earlier this week. So I reach out to her for an update. At the same time I went through PNC just because wells said all they need is 600 which I am good at, and my mid score should be 629 with TU so I should be okay with a FHA (pending the EX FAKO isnt too far off). I applied for PNC on thursday and the guy emailed me on Friday but i didnt call him back because immediately because the name wasnt familiar. So then I received another email from him on Tuesday, so I called him and he took my information over the phone. So today I pulled my EX to see if there has been any inquiries and it looks like PNC pulled today.(Nothing from wells yet). I know I am being impatient but I really am just curious to see if i quaify because I read several stories where people monitored there credit from these sites and then they go in and they are too different to apply. So once I know if I can start the house hunt or not I'll be pretty excited!
I have been working on my credit for a few months! I had two collections removed from experian as well as one charge off credit line deleted ane one loan added as included in my bankruptcy. The same for Transunion but only one collection was removed. My utilizations have fallen below 24% and since my bankruptcy I have not been late.
My scores are EX FAKO 647 TU 629(didnt have one of my accounts updated when I pulled) EX 615. I hope to hear something today! If not i'll try again next year!
08-10-2012 06:07 AM
So yay!!! I got my preapproval!!! I am so excited!!! Now the house hunting begins!!! My Transunion score was exactly correct, my eq was 619 and my experian was higher than I thought at 677! So close to 700, maybe next year! I'll keep you guys informed!!
08-19-2012 12:52 PM
So yesterday i found a home and put in an offer and they seller accepted it today!!! yay!!! I am tooo excited!!! So this week is the inspection and now the terror that most people have, the underwriting part is going to happen. I am with Wells Fargo, anyone has any tips?
08-21-2012 06:41 AM
My bk was a chapter 7 and it was discharged in 2010. So i became eligible for a loan early June. You may be okay because they do say they want a 600 and above but you will have to be careful not to open any new credit lines or have inquiries
08-21-2012 06:52 AM
So as of today, they accepted my offer and we are officially in contract!!!!!! Now i have to send my lender my info and now we are waiting for that dreaded u/w process. I have an inspector going through on Thursday so I am pretty excited!!!!!
08-21-2012 06:52 AM
also @ phumanr good luck!!!!
08-22-2012 02:46 PM
Well i definitely hope you get it! I wanted to move into an apt. but the amount for that was so high i thought home buying would be better.
My LO responded back today stating that she would start working on it, my contract was sent to her yesterday by my realtor and my inspection is confirmed for tomorrow. From what i understand I believe the LO has 3 days to get back to me regarding my GFE which i am not sure if it started yesterday or today but i know she has until the end of the week!!
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.