Re: This Board Seems like it's Filled with People That...
10-11-2012 03:19 AM
I think the OP seems to just assume that because someone is a new poster, that it means they must have just started trying to fix their credit.
Personally, I was approved for a mortgage back in 2008-09 but I decided to hold off because the real estate market was just way too high and there were already a ton of short sales on the market. It just didn't seem like the right time to buy and Im' sure as hell glad I waited.
I ended up holding off and lost my income the following year for about 6 months which is what screwed my credit. I had to put buying a house on the back burner as my income had changed and my credit was pretty screwed. I am in a bit of a rush to buy now, as I'm back in good shape as far as my income and the type of housing I'm trying to buy has been steadily rising the last 4 to 6 months in my area.
Current: EX : 630 EQ : 639 TU: 684
Goal: 700 to start