I'm due to close on a VA loan on Dec 6th and my question is: Should I wait till the mortgage appears on my CR or shortly after close as the mortgage TL might impact scores? I've heard of people either getting offers or applying once creditors see the mortgage on the CR.
My util at time of close on the house would be about 18%, very low inqs and Fico 8's 680-695 income @ 110k
Forgot one thing, I burned Barclays for $800 2 years ago in my BK7, when I do apply would that have any impact?
I didn't know that, yet they send me a pre-approval letter for their entry rewards card-huh
@CreditCuriousity wrote:If you burnt barclay's I wouldn't waste your time on applying as they won't approve you and not worth wasting a HP. They have an extremely long memory.
I didn't pay them back the $767 I owed, your attorney tells you not too. The pre approval means nothing right now as I can't app until Dec 7th or so.
@CreditCuriousity wrote:
@gsully00 wrote:I didn't know that, yet they send me a pre-approval letter for their entry rewards card-huh
@CreditCuriousity wrote:If you burnt barclay's I wouldn't waste your time on applying as they won't approve you and not worth wasting a HP. They have an extremely long memory.
Interesting...Others on here have burnt barclay's/juniper and have mentioned their very long memory.. Sure a few others will ring in here on this subject soon enough.. Did you ever pay them back although obviously not required to with bk7? That certainly would help, but doesn't gurantee anything.
