Regular Contributor
Posts: 209
Registered: ‎01-05-2012
Re: We closed WITH Charge offs! It can be done!
@HuntingMama, my biggest fear was applying, getting turned down, and wasting an inquiry. The best thing we did was speak with (several) loan officers about our chances given our credit situation. It gave me peace of mind and guidance to hear "yes, this loan should work" or "no way, fix this and come back next year". If we hadn't tried, and went off what we thought we needed to pay off/save up/etc, we STILL wouldn't have applied to this day. Good luck with your journey!
Current FICOs (Sept 2015) EQ: 666 TU: 663