@Anonymous wrote:
@M_Smart007 wrote:
@Anonymous wrote:I assure everyone that you can drink excessively and still maintain 800s
Ha!, I am really pondering that ...(Probably the most hilarious Drunked app)
"Needless to say, my wife cut me off, but it didn't stop me and my friends from trying to act out the nativity scene with a stuffed penguin in front of a house that still had Christmas lights and a gingerbread house still up."
@Brian_Earl_Spilner is a pro. I must now find that Ring Doorbell video on YouTube before I die: "OMGLOL look at what these guys did on my lawn!"
And how did that post only have 47 (now 48 because me) kudos?
You know, I think I'm going to drag my good scotch across the desert, and after I get keys in hand and the loan funds, going to get astoundingly drunk and put in the refi for my LA condo. Shoot I may have to do that from some place that has Internet, **bleep** first world problems.
Switched lenders on the purchase and the loan commitment already came back where the conditions were just the usual process things like getting an appraisal and title and the other mandatory process things, NOT ONE DAMNED THING FOR ME.
It's not even sporting compared to what millions of consumers go through applying sober every year after what I experienced with BOFA, have to apply drunk and screw something up badly to even make this annoying given that I'm going to do the refi with the same lender.
@Anonymous wrote:
@Revelate wrote:You know, I think I'm going to drag my good scotch across the desert, and after I get keys in hand and the loan funds, going to get astoundingly drunk and put in the refi for my LA condo. Shoot I may have to do that from some place that has Internet, **bleep** first world problems.
lol And what a time for a refi! I just checked bankrate.com earlier and it said...
"Sorry, none of our lenders are displaying rates right now.This is partially because many lenders are overwhelmed by a recent surge in mortgage applications."
Yeah, I checked Zillow and Bankrate for giggles and the ones that were posting were like 5%.
That includes the lender I'm with at 3.25% right now. I'm pretty sure it's "if you need a loan really badly, we have a really bad loan for you!" pricing to discourage some apps through those sites.
@Anonymous wrote:
@M_Smart007 wrote:
@Anonymous wrote:I assure everyone that you can drink excessively and still maintain 800s
Ha!, I am really pondering that ...(Probably the most hilarious Drunked app)
"Needless to say, my wife cut me off, but it didn't stop me and my friends from trying to act out the nativity scene with a stuffed penguin in front of a house that still had Christmas lights and a gingerbread house still up."
@Brian_Earl_Spilner is a pro. I must now find that Ring Doorbell video on YouTube before I die: "OMGLOL look at what these guys did on my lawn!"
And how did that post only have 47 (now 48 because me) kudos?
Omg. That thread is hilarious. Definite HOF candidate! 😂
I haven't drank in years.. I'd do it.
It does take work, and doing this rebuild over the last 3 years.. there is no quick fix. I would like to get to 780-800 for cushion that i won't dip down to much when i do app, but i had to stop apping so my accounts could age and inq's go away.. thats what the MyFico community has to give up for an 800 score. credit seekers the lot of us are 
I drank myself from 600's to 850. I think I lost points when I was sick and didn't drink at all for 2 months.
