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Hi all,
I ended up screwing up my account on these forums (long story), I was originally "Chellz" but that account will be disabled soon. I didn't want to lose my log so I'll be reposting here. I don't know if the original thread will be deleted once the account is disabled so I'll start reposting from the beginning.
From the beginning, posted 01/28/15:
chellz wrote:
Hi all,
So I wanted to share my rebuilding experience. About a month ago my husband and I tried applying for a VA loan and got denied. We soon realized that our past mistakes are now haunting us. We only needed two scores to be 620 and we didn’t even have that….it was a sad/eye opening day. Hopefully I am able to track our progress here as we begin our journey to rebuilding. Please share any suggestions/comments you may have. I am trying to soak up as much info as I can!
Lender Pull 12/31/14
My Scores: XPN 603 EFX 597 TU 594
Hubs Scores: XPN 603 EFX 597 TU 594
Positive Tradelines:
(Chellz) NFCU Cash Rewards $2000 CL – Balance $2000
(Chellz) NFCU Overdraft Line of Credit $1000 CL – Balance $1000
(Hubs) Flagship Credit (Auto loan) $24825 – Balance $22860 ($570/mo payment)
Negative Tradelines:
(Chellz) CA Pin Credit Services $1708 on TU; OC Verizon (falls of 2018?)
(Chellz) Verizon Wireless $1708 on EFX 01/01 disputed via phone, 01/02 REMOVED(Chellz) CA Midland Fund $1032 on TU, XPN, EFX; OC Credit One Bank (falls off 2022?) – 12/2014 Paid $532 (this is before learning of PFD, may still try for the rest of the $500 I owe)
(Hubs) Military Star $1775 Del Dates: 10/2012, 02/2013 on TU, EXP, EFX (falls off 2019?) – Balance $927 01/16 paid down to $206, 01/19 sent GW letter, 01/25 sent GW email
(Hubs) Verizon Utility Company $464 on TU, XPN, EFX (falls off 2017?)
(Hubs) Capital One $500 Del Dates: 12/2013, 01/2014 on TU, EXP, EFX (falls off 2020?) – Balance $419 01/16 paid down to $10, 01/19 sent GW letter, 01/25 sent GW email
(Hubs) Verizon $407 on TU, XPN, EFX (falls off 2017?)
(Hubs) CO Belvoir FCU PAID on EFX (falls off 2016) 01/25 sent GW email, 01/25 requested early exclusion on TU, 01/27 director of support services responded with a no since it was accurate
(Both) CO Capital One PAID on EFX (falls off 2016) 01/19 sent GW letter, 01/25 sent GW email
(Chellz) CO Capital One $0 on EFX, XPN, TU (falls off 2020) 01/19 sent GW letter, 01/25 sent GW email
(Both) CO Capital One PAID on TU, XPN (falls off 2017) 01/19 sent GW letter, 01/25 sent GW email, 01/25 requested early exclusion on TU
(Hubs) CO Credit First PAID on EFX, XPN, TU (falls off 2016) 01/25 sent GW email
(Chellz) CO Credit One Bank $0 Del Dates: 01/2014 on EFX, XPN, TU (falls off 2021?)
(Both) CO Ft Belvoir PAID Del dates: 04/2009, 09/2009, 10/2009 on TU, EFX (falls off 2016?) 01/25 sent GW email, 01/27 director of support services responded with a no since it was accurate
(Chellz) CO HSBC Best Buy $0 Del dates: 07/2009, 08/2009, 09/2009 on EFX, XPN, TU (falls off 2016?) 01/25 requested early exclusion on TU
(Chellz) CA LVNV Funding PAID on EFX, XPN, TU (falls off 2016?) 01/25 requested early exclusion on TU
(Hubs) CO NFCU Credit Card PAID settlement Del dates: 04/2010 (falls off 2017) 01/19 sent GW letter
(Hubs) CO NFCU Auto Loan PAID settlement Del dates: 08/2011 (falls off 2018) 01/19 sent GW letter
(Hubs) CO NFCU Line of Credit PAID settlement Del dates: 08/2009, 09/2009, 10/2009 (falls off 2016) 01/19 sent GW letter
(Hubs) Verizon Utility PAID Del dates: 01/2011 on EFX, XPN, TU (falls off 2018?)
Closed Tradlines:
(Chellz) BoA Secured Credit Card $300 CL Opened 03/2006 DLA 10/2006 No lates
(Chellz) NFCU Unsecured loan $1000 CL Opened 09/2006 DLA 02/2007 No lates
(Chellz) NFCU Unsecured loan $2160 CL Opened 05/2007 DLA 02/2010 No lates
(Chellz) NFCU Auto loan $18789 CL Opened 05/2008 DLA 03/2012 No lates
(Hubs) NFCU Unsecured loan $3000 CL Opened 03/2007 DLA 02/2008 No lates
(Hubs) Wells Fargo Auto loan $12391 CL Opened 09/20012 DLA 01/2014 No lates
Posted 01/29/15:
@Anonymous wrote:UPDATE: Responses to GW emails
@Anonymous wrote:(Hubs) Military Star $1775 Del Dates: 10/2012, 02/2013 on TU, EXP, EFX (falls off 2019?) – Balance $927 01/16 paid down to $206, 01/19 sent GW letter, 01/25 sent GW email, 01/27 Response was a no from an accounting tech 1 Does anyone have any corporate office contacts they would be willing to share?
(Hubs) CO Belvoir FCU PAID on EFX (falls off 2016) 01/25 sent GW email, 01/27 director of support services responded with a no since it was accurate The email was sent to the president and then forwarded to this director. I know for a fact this is a small credit union so I will probably have to wait until it falls off. Maybe request early exclusion from TU on hubs report.
(Hubs) CO Credit First PAID on EFX, XPN, TU (falls off 2016) 01/25 sent GW email, 01/27 Email was forwarded to Agency & Supporting Services for review
(Both) CO Ft Belvoir PAID Del dates: 04/2009, 09/2009, 10/2009 on TU, EFX (falls off 2016?) 01/25 requested early exclusion on (Chellz) TU, 01/25 sent GW email, 01/27 director of support services responded with a no since it was accurate
(Hubs) Verizon Utility PAID Del dates: 01/2011 on EFX, XPN, TU (falls off 2018?) 01/25 sent GW email, 01/26 Was told to call their Consumer Financial Services office
The GW email responses aren't very promising. Hopefully some of the snail mailed GW letters have reached some compassionate CSRs/CEOs. We'll see what happens. Lender pull is tomorrow
Posted 01/31/15:
@Anonymous wrote:UPDATE: Credit Scores
@Anonymous wrote:
Lender Pull 12/31/14
My Scores: XPN 603 EFX 597 TU 594
Hubs Scores: XPN 541 EFX 548 TU 625
Lender Pull 01/30/15
My Scores: XPN 609 EFX 596 TU 592
Hubs Scores: XPN 651 EFX 561 TU 592
My scores went up a few points and hubs scores went up wih XPN and EFX but not sure why TU went down. We still aren't at 620 with our mid scores so our lender suggested we pay my NFCU credit lines down to $10 and he'd do a rapid rescore in a week. It seems to me that my hubs Capital One payment hasn't hit the reports yet because the lender is still seeing the old balance on it. We're so close but yet so far! Hoping this rapid rescore helps, anyone have any experience with it?
Also, for reference here are our scores with CreditKarma, Credit Sesame & Quizzle:
01/24/15 Hubs:
Credit Karma - 607 TU, 607 EFX
Credit Sesame - 619
Quizzle - 607
01/23/15 Chellz:
Credit Karma - 632 TU, 632 EFX
Credit Sesame - 634
Quizzle - 632
As you can see, no where near our scores from the lender
Posted 02/10/15:
@Anonymous wrote:UPDATE: Credit Scores
@Anonymous wrote:
Lender Pull 12/31/14
My Scores: XPN 603 EFX 597 TU 594
Hubs Scores: XPN 541 EFX 548 TU 625
Lender Pull 01/30/15
My Scores: XPN 609 EFX 596 TU 592
Hubs Scores: XPN 651 EFX 561 TU 592
Lender Rapid Rescore 02/04/15
My Mid Score: 643
Hubs Mid Score: 651
So we found a house we love and have started the loan process! Wish us luck in the underwriting process! If everything goes well we close on 02/26!!
Posted 02/10/15:
@Anonymous wrote:UPDATE: Early exclusion experience with TU
So I put in a request for early exclusion on 01/25 with TU and the report came back on 02/04; keep in mind I did a trial run on only my TU report, I plan on trying with XPN and EFX, as well as on my husband's report:
(Both) CO Capital One PAID on TU, XPN (falls off 2017)
(Both) CO Ft Belvoir PAID Del dates: 04/2009, 09/2009, 10/2009 on TU, EFX (falls off 2016?) 02/04 REMOVED from Chellz TU (have not been able to check EFX)
(Chellz) CO HSBC Best Buy $0 Del dates: 07/2009, 08/2009, 09/2009 on EFX, XPN, TU (falls off 2016?) 02/04 REMOVED from XPN (still on TU...not sure what's going on there!; have not been able to check EFX )
(Chellz) CA LVNV Funding PAID on EFX, XPN, TU (falls off 2016?) 02/04 REMOVED from XPN and TU (have not been able to check EFX)
So I have a total of 4 negative tradelines on TU and 5 negative tradelines on XPN. I haven't been able to check EFX (answered identity questions incorrectly). There are maybe 1-2 tradelines that will fall off in the next couple of years and 2-3 that will stay on until 2020. I may be able to PFD one tradeline but we'll see about that one.
At least I'm making progress!
Posted 02/24/15:
@Anonymous wrote:UPDATE: Mortgage Loan
So here's a recap, we went into contract on 02/07, gorgeous 5 bedroom, 3.5 bath house. 100% funded VA loan at 4.5%, no money down and no closing costs. Final walk through with the builder and closing on 02/26. How about that for a great turn around!!
Posted 03/03/15:
@Anonymous wrote:UPDATE: Post Closing App Spree
Hubby and I both applied for some CLIs and new cards after closing on the house, here is what we received:
Me:
Lowes: got message with reference number, denied
NFCU cc CLI: got 3-4 day message, approved 5K increase
Amazon Store: instantly approved $700 limit, requested increase and not approved
NFCU navcheck CLI: got 1 hour message, approved 14k increase
Chase Freedom cc: got message, denied
Discover It cc: instantly denied, pulled EFX, credit score 618
Hubby:
Capital One card CLI: got message, denied
Home Depot cc: instantly approved $300 limit, requested increase and not approved
Lowes cc: instantly approved $300 limit, requested increase and not approved
Gamestop cc: instantly approved $300 limit, requested increase and not approved
Happy to get approvals again! Going to garden until June...hubby will ask for CLIs and I will apply for my next three choice cards: Chase, Discover and Amex! Maybe hit Navy Fed up again to get my credit card to 25k.
Posted 03/11/15:
@Anonymous wrote:UPDATE: Credit File Update
@Anonymous wrote:
Lender Pull 12/31/14
My Scores: XPN 603 EFX 597 TU 594
Hubs Scores: XPN 603 EFX 597 TU 594
Current Scores:
My Scores: EFX 618 (03/03 FICO) TU 651 (02/25 NFCU)Hubs Scores:EFX 651 (02/04 mortgage lender pull)
Positive Tradelines:
(Chellz) NFCU nRewards
$2000$7000 CL – Balance$2000$1000(Chellz) NFCU Overdraft Line of Credit
$1000$15000 CL – Balance$1000$0(Chellz) Amazon Store $700 CL - Balance $0
(Hubs) Flagship Credit (Auto loan) $24825 – Balance $22860 ($570/mo payment)
(Hubs) GameStop Store $350 CL - Balance $0
(Hubs) Home Depot Store $500 CL - Balance $450
(Hubs) Lowes Store $500 CL - Balance $0
(Hubs) Capital One $500 CL - Balance $0
Negative Tradelines:
(Chellz) CA Pin Credit Services $1708 on TU; OC Verizon (falls of 2018?)
(Chellz) Verizon Wireless $1708 on EFX 01/01 disputed via phone, 01/02 REMOVED(Chellz) CA Midland Fund $1032 on TU, XPN, EFX; OC Credit One Bank (falls off 2022?) – 12/2014 Paid $532 (this is before learning of PFD, may still try for the rest of the $500 I owe)
(Hubs) Military Star $1775 Del Dates: 10/2012, 02/2013 on TU, EXP, EFX (falls off 2019?) – Balance $927 01/16 paid down to $206, 01/19 sent GW letter, 01/25 sent GW email, 01/27 Response was a no from an accounting tech 1 Does anyone have any corporate office contacts they would be willing to share?
(Hubs) Verizon Utility Company $464 on TU, XPN, EFX (falls off 2017?)
(Hubs) Capital One $500 Del Dates: 12/2013, 01/2014 on TU, EXP, EFX (falls off 2020?) – Balance $419 01/16 paid down to $10, 01/19 sent GW letter, 01/25 sent GW email,03/03 CapOne REMOVING all lates in the next 30-60 days, will then show as a positive tradeline(Hubs) Verizon $407 on TU, XPN, EFX (falls off 2017?)
(Hubs) CO Belvoir FCU PAID on EFX (falls off 2016) 01/25 sent GW email, 01/25 requested early exclusion on TU, 01/27 director of support services responded with a no since it was accurate
(Both) CO Capital One PAID on EFX (falls off 2016) 01/19 sent GW letter, 01/25 sent GW email
(Chellz) CO Capital One $0 on EFX, XPN, TU (falls off 2020) 01/19 sent GW letter, 01/25 sent GW email
(Both) CO Capital One PAID on TU, XPN (falls off 2017) 01/19 sent GW letter, 01/25 sent GW email, 01/25 requested early exclusion on TU
(Hubs) CO Credit First PAID on EFX, XPN, TU (falls off 2016) 01/25 sent GW email, 01/27 Email was forwarded to Agency & Supporting Services for review
(Chellz) CO Credit One Bank $0 Del Dates: 01/2014 on EFX, XPN, TU (falls off 2021?)
(Both) CO Ft Belvoir PAID Del dates: 04/2009, 09/2009, 10/2009 on TU, EFX (falls off 2016?) 01/25 sent GW email, 01/27 director of support services responded with a no since it was accurate, 02/04 REMOVED from Chellz TU (have not been able to check EFX)
(Chellz) CO HSBC Best Buy $0 Del dates: 07/2009, 08/2009, 09/2009 on EFX, XPN, TU (falls off 2016?) 01/25 requested early exclusion on TU, 02/04 REMOVED from XPN (still on TU...not sure what's going on there!; have not been able to check EFX )
(Chellz) CA LVNV Funding PAID on EFX, XPN, TU (falls off 2016?) 01/25 requested early exclusion on TU, 02/04 REMOVED from XPN and TU (have not been able to check EFX)
(Hubs) CO NFCU Credit Card PAID settlement Del dates: 04/2010 (falls off 2017) 01/19 sent GW letter
(Hubs) CO NFCU Auto Loan PAID settlement Del dates: 08/2011 (falls off 2018) 01/19 sent GW letter
(Hubs) CO NFCU Line of Credit PAID settlement Del dates: 08/2009, 09/2009, 10/2009 (falls off 2016) 01/19 sent GW letter
(Hubs) Verizon Utility PAID Del dates: 01/2011 on EFX, XPN, TU (falls off 2018?), 01/26 Was told to call their Consumer Financial Services office
Closed Tradlines:
(Chellz) BoA Secured Credit Card $300 CL Opened 03/2006 DLA 10/2006 No lates
(Chellz) NFCU Unsecured loan $1000 CL Opened 09/2006 DLA 02/2007 No lates
(Chellz) NFCU Unsecured loan $2160 CL Opened 05/2007 DLA 02/2010 No lates
(Chellz) NFCU Auto loan $18789 CL Opened 05/2008 DLA 03/2012 No lates
(Hubs) NFCU Unsecured loan $3000 CL Opened 03/2007 DLA 02/2008 No lates
(Hubs) Wells Fargo Auto loan $12391 CL Opened 09/20012 DLA 01/2014 No lates
Pretty excited about the Capital One GW letter working out! It took a few tries but an email to the CEO and other exec heads worked!
Now that we've closed on our house and went on an app spree, I will be gardening until June/July. Hubby will try to refinance his car loan and he'll start to garden as well. In June/July we plan to increase Hubby's credit limits and for me, I plan to try for an increase on the Navy Fed card again and apply for the following: Chase, Discover and Amex