nfg,
I've had a few days off lately and have probably spent too much time her, BUT, I have noticed that you are constantly asking ?'s and trying to figure out your best course of action and I, for one, think you deserve a big hand!!! I wish I was clever enough to to use the appropriate graphics for you but I can't so, there ya go. Keep up what you've been doing and you will get results, if you can be patient. I know, patience is the hardest part of this game but I'm certain you can do it.
Good Luck
FICO scores on November 17, 2014 (prior to applying for and being approved my mortgage)
EX=738
EQ=735
TU=754
FICO scores on March 4, 2015 after being approved for mortgage and buying the home, the mortgage isn't yet reporting.
EX- 689 EQ- 739 TU- 739