Posts: 14,049
Registered: ‎04-15-2011
Re: Hypothetical Situation- Please humor me :)

2 penguins walk into a bar...   Oh wait, different kind of humor huh?   Are those SL lates  your only baddies?  Income and DTI look OK to me,  credit score is in the OK range but can improve that within a year.   You need to send GWs for those SLs, maybe you can get lucky.  Yes, keep paying on time, check your revolving debt, and garden everything well.  I can see a new home in your future.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!