I now have a mortgage...Me...of all people

[gypsymama]

That's great! Congratulations! I hope to buy a home in the coming years after I've done some rebuilding/repair work myself. Good luck on your new home. Hope you love it!!!

[down_n_out]

Loved hearing your story, congrats.

[MortgageMinded]

Fantastic News!!! Good luck!

[mommy_of_2]

Can I ask you how? My husband and I are in extreme need for a house asap?

[elsenyor]

Mommy_of_2: I started by taking inventory of everything I owed on my credit reports. I disputed and had removed information that was past the SOL, paid a judgement, and refinanced my student loans. I got two secured cards and kept my utilization down to 30% with 9% at reporting. I took a secured loan with my bank. And read these posts daily. It was here I learned how to do it all. I'm still working on my scores and won't stop until 800 is mine :-)

[juice]

Congrats. Is that 3.8 is nice did you have to pay any points?

[anca21bi]

Wow, my scores are almost identical to yours from August 2013 to today and I just put in my mortgage application today...I still look back at my EQ score that was a 423 back in June 2013 and look today at the 624 score and think, "how did I let it get so bad?" But enough of the past...on to the future!

Congrats to you and sharing your success!

[Jerzee123]

You story is inspiring so much more!! 

I am 41 yrs old single mom , after years of messing up credit, not paying a old utilty bill, medical bill, chargeoffs, etc...

All i want now is a  house and real home for me and my son..

i've been tring to get things off report , and paid, but,  it gets frustrating when score drops 7 pts , adds 1 point, etc.(on karma credit).

  i established a retail card, and secured card

this whole goal trying to get a credit score of 640 is consuming me!!!! (score was recently a month ago 613 , today 603, im so ticked! i agreeded to pay Direct tv/NCO  a bill that wasnt even showing on report, and then i agreed to pay $50/month (orig $244), i made first payment and boom- it came up on credit karma/TU and knock 7 pts) im frustrated and bummed.

 but again reading you story is giving faith back!

 Congrats on your mortgage!!!..... because thats what my goal is

enjoy your new home ...