Regular Contributor
Posts: 147
Registered: ‎03-21-2012
Re: Pre-approved!
If both of you are going to be on the loan, your scores will be considered. I am not sure what happens if the loan is only in his name. Marriage=community prop which means you would be on the deed so.....ask a LO. I paid off some old debts including my car note, and disputed a lot of stuff. some was inaccurate and some wasn't but if the creditor takes longer than 30 days to respond the acct is removed by the credit bureau. I also got 2 credit cards and I got student loans (I'm in grad school) the loans, which are in deferment until 2016 actually helped my credit. I piggy backed off of my moms credit card but that only reports to experian. lastly, I was determined and prayerful!!!!
Starting Scores:TU/513 EQ/484 EXP/513 3/2012 (lender pull)
Current Scores:TU/681 EQ/637 EXP/613 11/2012 (lender pull)
Goal:700 across the board