Posts: 13,897
Registered: ‎04-15-2011
Re: Need Help. I applied 2 days ago for a Wells Fargo Home Loan

You don't have enough of your own history for them to do a risk assessment.  You just need some aging of your accounts to show them proper debt management.

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!