ok couple of updates.....
I finally got that ellusive VS card - SCT so no pulls - YAY!
I cancelled CCT - temporarily - I'll get back on it soon enough - but figured it was just getting to be too addicting checking my score almost every day.....
DH's as of 3/15/2016 EX 705 EQ 654 TU 707
Mine as of 3/15/2016 EX 665 EQ 681 TU 689
I have to wait until June 1 to start arguing on the tax lien....if it doesn't fall off by then I am supposed to contact the county where it is filed and work on removal...
Child Support has updated on my husbands.....now it didn't remove the tradeline...they updated it to paid as agreed - no derogatory remarks....So it reports positive....I'd love to know what that really did to DH's scores....but I know utility is high for him right now (bought tools for business and has a high balance on his Lowes card)......I think as we get that one paid down he will be mid 700s across the board!
Mine - well still gotta get utility down to get the scores up. Basically I'm hoping for the payoffs close to the time that the lien falls off in June....with a little luck I'll be in the 700s again too! Then we can talk about mortgages!!!!
The plan is to talk to our landlord and see if they will work with us and maybe sell us the house we are in. We already know the issues....have done some things to the home....with permission....and well after 4 years - it is home. Cross your fingers on that one. Two years ago she told me they needed more equity in it - which after another 2 years paying rent you would think they would have (That's like $20K in rent!) They are both getting up there...not old -but not so young that they want to do the repairs themselves anymore and they have to hire it out or give us rent credits for doing them ourselves.....So maybe it's a win-win if they sell it to us!
