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My Rebuild Thread

Regular Contributor

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 $16,100/FNBO Platinum $9.100/Best Buy Citibank $2,500/Care Credit $7,600/TJ Maxx $1000/Neiman Marcus $7000/Saks5thAve $2500

Starting Score: 426 Ch. 13 BK Filed Sep 2009; Discharged Jan 2013 Smiley Happy
Current Score: TU 706 EQ FICO 701 EX 704
Goal Score: 720

Message 21 of 33
New Contributor

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.
Message 22 of 33
Established Contributor

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 January 2008---Barclay's Apple Financing Card ($10,000) --- Capital One Quicksilver ($13,000)--- Platinum Delta Skymiles ($29,500) --- GEMB CareCredit ($10,000) --- AUFCU ($10000)---Discover IT ($28,000)

Experian 746 Transunion 806-- July 2017
Message 23 of 33
New Contributor

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.
Message 24 of 33
Established Contributor

Re: My Rebuild Thread

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

Message 25 of 33
Highlighted
New Contributor

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.
Message 26 of 33
Established Contributor

Re: My Rebuild Thread

Congrats!!! Happy for you!!! Smiley Happy

"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
Message 27 of 33
Moderator Emeritus

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 28 of 33
Established Member

Re: My Rebuild Thread

congrats on getting your house backSmiley Very Happy

Message 29 of 33
Regular Contributor

Re: My Rebuild Thread

Congrats!

NFCU Cash Rewards $16,100/FNBO Platinum $9.100/Best Buy Citibank $2,500/Care Credit $7,600/TJ Maxx $1000/Neiman Marcus $7000/Saks5thAve $2500

Starting Score: 426 Ch. 13 BK Filed Sep 2009; Discharged Jan 2013 Smiley Happy
Current Score: TU 706 EQ FICO 701 EX 704
Goal Score: 720

Message 30 of 33