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Yay!!!

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taj_laneal
New Contributor

Yay!!!

I just had my credit pulled by a lender, and they are way better than I expected.  My middle score is 647.  My TU score, which was 549 in July, is now 635.  They are using TU 04.  He believes I wouldn't have much trouble getting qualified for a mortgage.  He says that  VA wants DTI to be no higher than 41%.  Mine now is 44%, but that includes my car payment, which will be paid off in November.  The only thing holding me back is a 30 day late on my car which occurred in May, but he said that wouldn't be a problem come November. 

 

Because of this forum, I am a few steps closer to realizing my dream of home ownership.  The LO was impressed about my knowledge of the way things work, and I owe it all to you guys.   


Starting Score: 09/14 EQ 596 TU 587 EX 588
Current Score: 11/14 EQ 670
TU 602 (CK VantageScore 688)
EX 656

Goal Score: 700


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