Established Contributor
Posts: 869
Registered: ‎03-22-2012
Re: Derogatory removed! But my score TU score dropped 11 points


When are you planning on applying for a mortgage?

If the answer is, "As soon as they will give me one!" That is not good enough!


You need to plan for a new house. It will cost you a lot more money to live. How are you going to come up with the extra cash every month? What happens when something breaks and you need to have it repaired immediately?


Don't run us in circles. In all honesty, when will you be formally applying for a mortgage?


One minute it sounds like the application is imminent and in your next breadth you say you need a house by next August/September. If you have until August there is quite a bit of time left to work on your credit.

Starting Score: EQ 658 6/18/12
Current Score: EQ 700 10/12/14 - EX 687 7/21/14 - TU 682 7/21/14
Goal Score: EQ 720+
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