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My Life is changing for the better. Now I need to buy a house.

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rileytp
New Member

My Life is changing for the better. Now I need to buy a house.

Quick background:  Spent ten years in the Army.  My credit is 579.  I have two vehicle repos and several small creit cards on my credit report.  I also have a bank account that was closed with a large negative balance.  Altogether, around $30,000 in debt.

 

Now, I am working in Afghanistan as a civilian contractor.  I am making six figures for the next year and a half.  I want to buy a house as soon as possible.  I will be using a VA loan when the time comes.

 

I just wanted to say I will comb this entire site for anything I can.  All advice is appreciated.

Message 1 of 4
3 REPLIES 3
ihatemyscore
Frequent Contributor

Re: My Life is changing for the better. Now I need to buy a house.

Since your making 6 figures now, just pay down ALL your debt and send Pay For Delete letters to your creditors.

BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.
Message 2 of 4
Shogun
Moderator Emeritus

Re: My Life is changing for the better. Now I need to buy a house.

First off, thank you for your service and congrats on bettering your finances.  Now, send PFDs for those debts.  You need to try and get rid of them.  Get a couple of of secured cards while your at it to help build your credit up.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 3 of 4
dannyb407
Contributor

Re: My Life is changing for the better. Now I need to buy a house.

Thanks for your service!!! Here you will definitely get all the information and tips you need!!!!

Message 4 of 4
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