Established Member
Posts: 96
Registered: ‎07-01-2012

We are preapproved for a mortgage!!!!!!

Mid score is 646 per two different lender pulls.
Yaaaaay!!!! So happy!!!
4/26/12 - TU 600, EQ 595, EX 553
7/2/12 - TU 612, EQ 594, EX 584 Lender pull
7/7/12 - TU 664, EQ 627, EX???
GOAL - 720 minimum across the board

Mantra - Having bad credit is a sure way to become financially invisible.
Regular Contributor
Posts: 232
Registered: ‎06-01-2012

Re: We are preapproved for a mortgage!!!!!!

WooHoo!  *happy dance* for you :smileyhappy:

Starting Score 4/15/2012:579 Ex-FAKO, 572 Eq-FAKO, 546 TU-FAKO (all were sub-500 in 2011)
FICO as of 3/08/2013: 627 EQ, 647 TU
FAKO as of 3/23/2013: 638 EX, 652 EQ, 648 TU
Goal 1: 600 FICO achieved 10/2012!, Goal 2: 650 FICO Across the Board - Let's take Baby-Steps!
**Amex Optima $1.3k, GE/CareCredit $1k, CapOne Secured $900, Barclaycard Rewards $500, CapOne Rewards $500, Citi/Shell $200**
Seedling Garden Club Member - Last App: 03/18/2013 - Goal: No apps for One Year: 3/18/2014
Regular Contributor
Posts: 197
Registered: ‎01-07-2012

Re: We are preapproved for a mortgage!!!!!!



I will be trying for a mortgage in approx. 2 months.

Starting: 547 +Score EX, 541 MyFico EQ,562 MyFico TU (Dec 2nd)

Current: 736 FCR "EX" (Nov. 5th), 668 MyFico "EQ" (Nov. 5th), 748 MyFico "TU" (Nov. 5th)

CC: BB&T $2,500 CL 3/2013, BarclayCard $3,000 CL 4/2013, WellsFargo $300 CL 7/2012 & Cap1 $451 CL 5/2012

Goal Score: 800's Rank
Regular Contributor
Posts: 114
Registered: ‎06-06-2012

Re: We are preapproved for a mortgage!!!!!!

congrats!! im shooting for a mortagage next september

Regular Contributor
Posts: 168
Registered: ‎12-05-2007

Re: We are preapproved for a mortgage!!!!!!

Hey, well done on the mortgage!! You must have played a heck of a chess game with your CR to get the almost 60 point jump in 3-4 months. Big baddies must have fell off like a ton of bricks.

Starting Score: 5/2012 TU 595, EQ 565, EX fako 547
Current Score:as of 9/2012, TU 626,Walmart 612, EQ 600, EX fako 623
Goal Score: 640 by dec 2013
BofA Au 13000, Amazon 600, Capt1 300, Walmart 150
When all else fails pay it!

Senior Contributor
Posts: 3,491
Registered: ‎07-25-2008

Re: We are preapproved for a mortgage!!!!!!



Glad you were able to get things cleaned up in so short of a time. If there are other old issues, there's really no good reason to stop repair.... just don't have any "Dispute" comments on your report.

Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO

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