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@Anonymous wrote:
the collection just got removed and reported to transunion!!!!!!
Did you see an increase in points!?!
@Anonymous wrote:
@Anonymous wrote:
the collection just got removed and reported to transunion!!!!!!Did you see an increase in points!?!
only increase so far is on credit karma vintage 3.0 which i guess doesnt mean much : Transunion +54 Equifax +33
myfico score are the same cept equifax. cuz they seem to update that quite often. TU/EX are still from 1/23/2015.
EQ: 689
TU: 647
EX: 649
my equifax score power
EQ: 682
Credit sounds like it should be OK.
The debt ratio should be OK if property taxes & homeowners insurance aren't that expensive. For example I am using $4,500/year for taxes & $1,200/year for homeowners insurance, and with those figures the debt ratio looks OK for a $300k sales price with 10% down. If they are much higher than that then the housing debt ratio will go over 40%. Max housing ratio is 45-46.99% depending if you are using conventional or FHA financing. If conventional is your goal, then I'd aim for a 680 score as that'll result in better interest rates and lower PMI costs.
@Anonymous wrote:pulled from myFico.com. only negative i have now is an open collection from 1999, which should drop off next year. opened up 2 secured cards to build credit last jan and i was able to get a 3k limit chase card in sep. 100% ontime payment on all cards.
EQ: 674
TU: 647
EX: 649
income: 5k a month
debt: i have no car loan, no student loan.
Cards: secured BOA, started $300 (they just upped to 500),/secured Capital One, started at $250(upped to 650 few months ago). Chase Freedom $3k
my budget is 300k and i have 40k saved up for downpayment, so i am looking for a 250-260k loanl