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HELP!! NEED TO RAISE SCORE FAST FOR MORTGAGE

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Holly1221
Regular Contributor

Re: HELP!! NEED TO RAISE SCORE FAST FOR MORTGAGE *** 11/13/11 UPDATE

Just bought my TU score.....it's the exact same as my EQ....with 3 cards left to report.  I think that's good news though since one will have to be the high & one the mid...right?  C'mon at least 3 points!!

12/27/11: EQ 618 / TU 621 / EX 643 (lender pull for CLOSING!)
MYFICO: EQ 618 / TU 610 on 12-07-11
MyFico EQ: 603 on 12-01-11
Current: 594 EQ/ 616 EX/ 599 TU (lender pulls 11-28-11)
Previous: 555 EQ/ 552 EX/ 573 TU (lender pulls 10-28-11)
GOAL: NEW HOUSE ...GOT IT ON 01/27/12
2012 GOAL: 750
Message 21 of 30
pj421fly
Valued Member

Re: HELP!! NEED TO RAISE SCORE FAST FOR MORTGAGE

I concur with the experts advice here great information makes for great results! I hope you get it!


Starting Score: TU-691 EQ-681 EX-693
Current Score: TU-826 EQ-816 EX-814
Goal Score: 830+


Take the FICO Fitness Challenge
Message 22 of 30
Anonymous
Not applicable

Re: HELP!! NEED TO RAISE SCORE FAST FOR MORTGAGE *** 11/13/11 UPDATE


@Holly1221 wrote:

I am so thankful for everyone on this forum!  There is such a great amount of info on this forum that anyone can take charge & clean up their past mistakes as I am now!  I am proud to admit that this is my new "addiction"!!


I am happy this is working out for you! THis site is lso my new addiction! Good luck!

Message 23 of 30
Holly1221
Regular Contributor

Re: HELP!! NEED TO RAISE SCORE FAST FOR MORTGAGE *** 11/28/11 UPDATE

Not only did I get my 25 points, I actually got 44 points in 30 days exactly!!  Waiting on the lender to send me a copy of my report so I can update my scores!!!  I know this isn't a definite approval, but this is 3.5% down vs 10% down.....HUGE VICTORY!!!!

 

Thank you MyFico friends!!Smiley Very Happy

 

Equifax + 39 points

Experian + 64 points

Trans Union + 26 points

 

**************still have 2 cc payoffs to report! 

12/27/11: EQ 618 / TU 621 / EX 643 (lender pull for CLOSING!)
MYFICO: EQ 618 / TU 610 on 12-07-11
MyFico EQ: 603 on 12-01-11
Current: 594 EQ/ 616 EX/ 599 TU (lender pulls 11-28-11)
Previous: 555 EQ/ 552 EX/ 573 TU (lender pulls 10-28-11)
GOAL: NEW HOUSE ...GOT IT ON 01/27/12
2012 GOAL: 750
Message 24 of 30
stilettos_and_spitup
New Contributor

Re: HELP!! NEED TO RAISE SCORE FAST FOR MORTGAGE *** 11/28/11 UPDATE

I'm so excited for you- I just stumbled upon your post here and I was reading each update on the edge of my seat, lol.  Great work.  I hope you get your new house!  I'm about to do the same!!!  I love these myFICO forums too!

Starting Score : 498 - 04/01/11
My FICO : 573 - 09/04/11
My FICO : 639 - 11/23/11
My FICO : 663 - 01/04/12
My FICO : 748 - 03/15/12
THANK YOU MYFICO FORUMS!
Message 25 of 30
Holly1221
Regular Contributor

Re: HELP!! NEED TO RAISE SCORE FAST FOR MORTGAGE *** 12/07/11 UPDATE

Just to show it "pays" to pay your cc's off/down:

 

New MyFico scores pulled today:  EQ 618 (started at 555) & TU 610 (started at 552).  Wish I could pull a true EX but lender pull 30 days apart : 616 (was 552).

 

Still no word on my appraisal re-evaluation.....waiting!

 

12/27/11: EQ 618 / TU 621 / EX 643 (lender pull for CLOSING!)
MYFICO: EQ 618 / TU 610 on 12-07-11
MyFico EQ: 603 on 12-01-11
Current: 594 EQ/ 616 EX/ 599 TU (lender pulls 11-28-11)
Previous: 555 EQ/ 552 EX/ 573 TU (lender pulls 10-28-11)
GOAL: NEW HOUSE ...GOT IT ON 01/27/12
2012 GOAL: 750
Message 26 of 30
GoodCredBen
Valued Contributor

Re: HELP!! NEED TO RAISE SCORE FAST FOR MORTGAGE *** 12/07/11 UPDATE

GL Holly!!!

My credit journey has completed. I am currently sitting at 800+ across the board.

I started my journey here years ago, and thanks to MyFico, it really is possible.
Message 27 of 30
Holly1221
Regular Contributor

Re: HELP!! NEED TO RAISE SCORE FAST FOR MORTGAGE *** 01/27/12 UPDATE

Just wanted to update for anyone else who feels like I did when I created this post... CLOSED on our new home today!  It took this long bcuz 1st house deal fell thru but now am so glad it did bcuz this house is 3x the 1st one with more land, privacy & sq footage....and, was $1500 cheaper!

 

Check out my scores in my sig............it IS possible to increase your score.......FAST!!!

 

 

12/27/11: EQ 618 / TU 621 / EX 643 (lender pull for CLOSING!)
MYFICO: EQ 618 / TU 610 on 12-07-11
MyFico EQ: 603 on 12-01-11
Current: 594 EQ/ 616 EX/ 599 TU (lender pulls 11-28-11)
Previous: 555 EQ/ 552 EX/ 573 TU (lender pulls 10-28-11)
GOAL: NEW HOUSE ...GOT IT ON 01/27/12
2012 GOAL: 750
Message 28 of 30
llecs
Moderator Emeritus

Re: HELP!! NEED TO RAISE SCORE FAST FOR MORTGAGE *** 01/27/12 UPDATE

Congrats!

Message 29 of 30
whodatnation2
Regular Contributor

Re: HELP!! NEED TO RAISE SCORE FAST FOR MORTGAGE *** 01/27/12 UPDATE

Congrats!!!


Starting Score: EQ 564, TU 560
Current Score: EQ 724, TU 770, EX 789
Goal Score: 740


Take the FICO Fitness Challenge
Message 30 of 30
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