Credit Card Center Advertiser Disclosure†
11-29-2012 06:08 PM
Congratulations! I am very happy for you.
I am in a similar situation..long story short, I settled about $80K in bad debt, including two paid repossessions. I have a dismissed BK which is 1 year old on Saturday. I have spent countless hours reading and working on my credit for the past six months. I have, 706, 641, and 594. With the 641, I am scheduled to close a new construction build by 12/28 with Academy Mortgage. My loan officer has been terrific...I am hoping I can close before Christmas.
I will keep you all posted. SCMAMI, again, congratulations!
11-29-2012 06:15 PM
Congratulations!!! This is very inspiring......my husband and I going through this process now and just had to switch lenders because our first broker had no clue what he was doing. Now we are working with someone who took a look at our not so great credit situation and decided to push to get the deal done. We have a few paid charge offs and one paid judgement fron 08. My husband does have an unpaid chargeoff for $4k (for his exwife's car that she never paid off after the divorce). Our broker said that it may be an issue but he submitted his divorce decree and we are hoping that he doesn't have to pay it. We are hoping things will get done and quickly because we are already under contract.
11-29-2012 06:17 PM
11-29-2012 06:56 PM
11-29-2012 08:10 PM
Sending congratulations your way. That's great. I can only imagine how you're going to feel spending your first Christmas in your new home. I hope to be closing in January. Thanks so much for sharing your story!
11-29-2012 08:53 PM
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.