Re: This Board Seems like it's Filled with People That...
10-13-2012 07:52 AM
...need to buy a house TOMORROW! I've been lurking for just a while and I am having trouble comprehending how people want to buy a house right now but are so out of touch with their finances that they are on a credit rebuilding forum asking for advice about things they should have handled months or years ago. These are things you should know 2 years before you start thinking about buying a house. The sense of urgency here is really a bit of madness. You didn't rush when you destroyed your credit did you but now you want to have an instant 780 score? This seems to be the American way - to want everything right now.
My personal advice would be to take a deep breath and re-assess your situation. If you have a bunch of bad stuff on your credit file, maybe you need to stop and re-think what you're doing. I know this may be unpopular opinion here especially for a first post, but this forum reeks of desperate people whose only downfall is that they don't have any patience to rebuild what they took years to destroy. Have some patience people and the good credit will come. Pay your bills on time and all will not be lost.
You are being quick to judge and you don't know people's situation. all my collections were OLD OLD OLD and I had no idea I could get them off and get my score up to get my house, until I found this forum. Since bad credit days, I have a new job with a much higher income. So I shouldn't be able to fix my credit to get a house in a hurry? When the market was rock bottom last summer? Houses in my neighborhood are now selling at least 20K more than they were last Aug, and they are with multiple bids, on the market 5 days, sometimes 1.
So, yes, your opinion is unpopular. We ALL KNOW we should have done better along the way. We don't need you telling us this, okay?
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720