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Another Milestone!

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JayTee1
Frequent Contributor

Another Milestone!

I just pulled my 3B report today, and my mid mortgage score is 686, far above what it was three months ago (637 I think).  This  will allow me to formally start the loan process which I've already gotten a verbal preapproval for.  It's for a new construction condo I'll be purchasing next year.  I think this will allow me to lock in an interest rate this year, and the builder will be glad to know, although we've already signed the pre-purchase agreement and I've put down a deposit.

 

I've had a couple good improvements over the last three months, including the deletion of two negatives on all three reports, and three on Experian.

 

The mortgage process is far from over, but I never thought I'd get this far, ever.  Smiley Happy

March 2014: Abysmal, low 500s


April 2015: TU 607 | EQ 599 | EX 608
March 2019: TU 717 | EQ 727 | EX 727
3 REPLIES 3
RonM21
Valued Contributor

Re: Another Milestone!

Great to hear of your success so far, and I'm sure there's.more where that came from!!! Nice job.


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 2 of 4
surferchris
Valued Contributor

Re: Another Milestone!

Congrats

Current Cards:
AmEx Hilton Honors Surpass//AmEx Platinum Card//Ann Taylor Rewards Mastercard//Capital One Platinum Card//Credit One AmEx//Credit One Platinum VISA//Fingerhut//Navy More Rewards AmEx//TruWest Platinum VISA//Aspire VISA//Costco Anywhere VISA//Lowes Advantage//Apple Card
Loans:
1 Mortgage/////Navy FCU Auto Loan (2020 Jaguar I-Pace)//Capital One Auto (2016 BMW i3)
Next Cards (4th QTR 2022):
Navy Flagship Rewards VISA//Chase Sapphire Preferred
Stats:
Scores: 700's // Inq's: 1 for mortgage // Util: 1% // AoOA: 21 yrs

Message 3 of 4
AutoBot
Established Contributor

Re: Another Milestone!

Congrats on the score improvement.  Smiley Happy

Message 4 of 4
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