@Rlandon87 wrote:In a perfect world I would wait until 2015 to apply for a mortgage and be much better financially and score wise. Unfortunately it isn't an option anymore. A new apartment complex was built beside the townhomes I live in and it is section 8 housing. We have seen a dramatic increase in crime in my area. For instance a shooting directly outside my bedroom window, a stabbing on my street, and tons of property crime. It is sad because the area I live in used to be very nice and quiet.
On top of all that I have an 8 year old and a 1 year old who don't know what it's like to play outside in a yard. (No yards with my townhomes) I want them to have that ability and to be out of the area we are in now as it gets worse daily.
And lastly we found an immaculate home that is priced below market value that is exactly what we want. We don't want to pass it up and be unhappy in something else later on.
Sorry to hear the circumstances surrounding your neighborhood. You're definitely doing the right thing for yourself and your family in this case, especially given the fact that you can take advantage of a great opportunity with a house you're excited about. Good luck with everything. 
Started on 08/20/14 with 642 scores @ 77% Util across 11 cards. Now at 44% Util on 7 cards. received another score bump as you can see in my sig... Still have 3 maxed out cards left to report and two cards to report a zero balance, 5 inqs due to fall off/not count in score within the next two weeks.
Closing in so far im right on track to get those 30 points and most likely more!
Left to report...
Amazon- 562/800 to 0/800
CapOne 2955/3000 to 2136/3000
NFCU 11842/12000 to 9400/12000
BOFA 4439/4500 to 3537/4500
CapOne 958/3000 to 0/3000
VS 15/1050 to 0/1050
KAY 21/3000 to 0/3000
Currently at 23156 / 64200 38%
Will be at 17473/ 64500 27%
EQ is up to 671, one point short of the needed 30 points in 30 days.
The good thing is, TU an EX don't update near as fast as EQ with the new 3 bureau monitoring so I suspect they have also achieved the 30 point gain, if not more.
The best part is.... I still have 3 maxed out accounts left to update to paid to 65%, 3 cards left to update to paid in full, and 4 inquries to fall off.
FUSED... You were right on your prediction so far... now I'm hoping you're wrong and I see more like 50 points haha.
The crappy part is this is all on FICO 08.... I really hope my 04 scores are up as much as well.
I know you haven't posted in some time, but I'm hoping for some good news. Please give us an update.