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Dead end

Auto Loans for ANY Credit Situation. Immediate Response.
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New Contributor

Re: Dead end

Not always, but I've seen some magic happen with rapid rescores, especially with an LO who knows how to do it. As in, a 20 point jump that pushed a borrower into the next rate tier enough to qualify them.

Starting 12/27/16 FICO Score 8 EQ 645 TU 643 EX 618
Current 6/27/17 FICO Score 8 EQ 797 TU 804 EX 782


Goal 740+ ACHIEVED 4/5/17 FICO Score 8 EQ 776 TU 762 EX 748
Message 11 of 21
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Contributor

Re: Dead end

 
Message 12 of 21
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Contributor

Re: Dead end

Sbrooks1 when do you plan on applying? I've been following your post and it seems as though your as ready as you will be!!! 😀
Message 13 of 21
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Super Contributor

Re: Dead end


@Threeof5 wrote:

Not always, but I've seen some magic happen with rapid rescores, especially with an LO who knows how to do it. As in, a 20 point jump that pushed a borrower into the next rate tier enough to qualify them.


doing a score simulation and then rapid rescore workes every time.... EXCEPT:  something else could change on the report.

 

this is usually such a short window that it doesnt happen. only got me once in 13 yrs.

 

Retired Lender
Message 14 of 21
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Valued Contributor

Re: Dead end

Every time I think I'm ready something happens. Now, have one of my cards from 1 to 60 while trying to save my sweet dog Lola. She did not make it and vet bill was over 3000. So now I have to pay that down but I had to give her the best shot as she was my baby
Message 15 of 21
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Valued Contributor

Re: Dead end

Other cards are at zero, so hopefully only a month or two delay
Message 16 of 21
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Contributor

Re: Dead end

Have you checked your scores and there just not there yet? Sometimes I think you just have to apply and see what happens. Because there is always going to be a reason not to!!! I'm rooting for you!!&
Message 17 of 21
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Super Contributor

Re: Dead end

are you going fha?

 

didnt you mention a 676 earlier?   if so, you likely did zero damage

 

Retired Lender
Message 18 of 21
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Valued Contributor

Re: Dead end

Yes mid score now 678 but that's with the card at 1% and will now report at 60% on the 22 Smiley Sad
Message 19 of 21
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Valued Contributor

Re: Dead end

However , I did just get 4000 CLI as well so maybe will dilute the damage
Message 20 of 21
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