Need Help - In Escrow and Need Credit Card - Score of 645

[Anonymous]

get on phone w credit solutions and get denial over turned...then ask for a CLI of 25k, they will counter.  then use special 0 financing for your items.

I would strongly advise visiting your post office for a movers kit, ask for two. They will have lowes coupons inside. Be sure to use a 10% off for your appliances before you finance. This should help lessen the cost.

[StartingOver10]

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@Anonymous wrote:

My lender said okay to get a credit card now but said to wait to spend on it until I have keys. Does that make sense?

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No, this does not make sense.  I have never seen a mortgage lender say to go out and get credit before closing - the responsible LO's tell you NOT to apply for any credit whatsoever until you are closed, funded and keys in hand.  Either this LO is clueless or doesn't care if you close or not.  

Waiting until the right time isn't going to hurt you - but you could actually lose the house if your score or DTI changes.  Don't risk it. Wait until your loan is closed and funded.

[stellar]

Hats off to you for dealing with the loss of your husband, raising two kids and saving 160k to buy a place in California.  You're a strong woman.