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Regular Contributor
StartingLifeOver
Posts: 136
Registered: ‎02-06-2009

Re: My Rebuild Thread

Ok, thnx! I have access to excel as well so I'm going to give it a try.
NFCU Cash Rewards: $14,000/FNBO Platinum: $3,600/Best Buy Cap 1: $2,500/Care Credit $7,600/TJ Maxx $600

Starting Score: 426 Ch. 13 BK Filed Sep 2009; Discharged Jan 2013 :smileyhappy:
Current Score: TU 715 EQ FICO 693 EX 660 all via lender pull 5/9/13
Goal Score: 720

New Contributor
Trons
Posts: 69
Registered: ‎08-28-2012

Re: My Rebuild Thread

You're very welcome.  If there is anything I can help with, let me know.

Starting: EQ 590 (LP 8/12) TU 589 (LP 8/12) EX 612 (LP 8/12)
Current: EQ 650(LP 9/12/12) TU 667 (LP 9/12/12) EX 676 (LP 9/12/12)
Goal: 620 (for VA Mortgage)
Goal Reached. Pre-qualified for VA loan, 9/12/12

My Jeep is like my wife. Cleans up nice, but a lot more fun when she's dirty.
Established Contributor
aussiesareforever
Posts: 739
Registered: ‎10-04-2010

Re: My Rebuild Thread

Congratulations on your credit rebuild Trons. Sounds like you've come a long way. I will be following your thread and praying for a wonderful outcome in your house buying adventure

BK in 2008, after making very stupid financial decisions.

Barclay's Apple Financing Card ($6400) --- Capital One Quicksilver ($10,000)---GEMB CareCredit ($5700) --- AUFCU ($10000)--- Walmart ($5000)

FICO Scores: TU 735 EQ 709 EX 740 (Feb 2013, all pulled by lender)

New Contributor
Trons
Posts: 69
Registered: ‎08-28-2012

Re: My Rebuild Thread

Update:

 

We have signed the rate lock docs.  We are locked in at 3.25% with a buydown for the first year to 2.25%.  We're pretty happy with that.  LO should have ordered the appraisal today, but may have had to wait till tomorrow.  I'm trying to be understanding with him.  While it's the biggest purchase of my life, it's just one of many for him.  I know this is the end of the month so all the loans he's been working on are probably trying to close over the next few days.  Hopefully he doesn't drop the ball because of this.

 

I also wanted to say thank you for all the positive comments.  While my rebuild journey hasn't been as arduous as comes, it is still a journey and the positive comments makes it a more enjoyable journey.  Helps to know that you're not alone on the road.

Starting: EQ 590 (LP 8/12) TU 589 (LP 8/12) EX 612 (LP 8/12)
Current: EQ 650(LP 9/12/12) TU 667 (LP 9/12/12) EX 676 (LP 9/12/12)
Goal: 620 (for VA Mortgage)
Goal Reached. Pre-qualified for VA loan, 9/12/12

My Jeep is like my wife. Cleans up nice, but a lot more fun when she's dirty.
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: My Rebuild Thread

Congrats. I can only imagine what a blessing it is to buy back the home you wanted.

New Contributor
Trons
Posts: 69
Registered: ‎08-28-2012

Re: My Rebuild Thread

Update:

 

Our file has passed processing and is in underwriting with the appraisal and termite inspection ordered.  We're excited.

 

 

I would like to say thank you, to everybody, for the prayers and well wishes.  We're starting to get excited and trying not to be too overwealmed.  It's difficult.  The house and property has a lot of meaning to our family and the idea of getting it back is something we never even dreamed of....it's very difficult to explain.

Starting: EQ 590 (LP 8/12) TU 589 (LP 8/12) EX 612 (LP 8/12)
Current: EQ 650(LP 9/12/12) TU 667 (LP 9/12/12) EX 676 (LP 9/12/12)
Goal: 620 (for VA Mortgage)
Goal Reached. Pre-qualified for VA loan, 9/12/12

My Jeep is like my wife. Cleans up nice, but a lot more fun when she's dirty.
Established Contributor
S7
Posts: 568
Registered: ‎08-24-2012

Re: My Rebuild Thread

Congrats!!! Happy for you!!! :smileyhappy:

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Moderator
Shogun
Posts: 12,875
Registered: ‎04-15-2011

Re: My Rebuild Thread

So very happy for you.  And just so you know, you have one of my favorite tag lines!!!  hahaha


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!
Established Member
yo-upacreek
Posts: 29
Registered: ‎02-17-2011

Re: My Rebuild Thread

congrats on getting your house back:smileyvery-happy:

Regular Contributor
StartingLifeOver
Posts: 136
Registered: ‎02-06-2009

Re: My Rebuild Thread

[ Edited ]

Congrats!

NFCU Cash Rewards: $14,000/FNBO Platinum: $3,600/Best Buy Cap 1: $2,500/Care Credit $7,600/TJ Maxx $600

Starting Score: 426 Ch. 13 BK Filed Sep 2009; Discharged Jan 2013 :smileyhappy:
Current Score: TU 715 EQ FICO 693 EX 660 all via lender pull 5/9/13
Goal Score: 720


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