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Perfect, thank you again @AllZero - will do that this evening once i give it a little time to show up today.
I still had my free credit report for the week so i just used that to see if it was reported yet, and TU and EQ neither have it reported yet.
I guess i am just playing the waiting game for a few more days at this point.
UPDATE: Equifax updated and gave me 25 point bump. Put me at 605 which is just above what i needed. Now i am playing the waiting game a few more days for Transunion to come through with their update.
Not to push my luck, but a 24 point bump for trans would get me to a 620 middle score and save me a ton in interest.
@Anonymous wrote:UPDATE: Equifax updated and gave me 25 point bump. Put me at 605 which is just above what i needed. Now i am playing the waiting game a few more days for Transunion to come through with their update.
Not to push my luck, but a 24 point bump for trans would get me to a 620 middle score and save me a ton in interest.
That's a nice score increase on EQ. Good luck on TU. Hope you get those points.
**UPDATE**
Transunion just posted- pushed me to 631 from 598- which is MORE than enough to qualify for the loan we wanted at the rate we wanted!.
Total score boost is as follows for the mortgage scores
Equifax + 25 points
Experian +32 points
Trans + 35 points-
Putting my middle score at 631!
Thank you everyone for all of the advice and encouragment !
@AllZero @Anonymous @Credit4Growth @Seamslong @tooleman694 - thank you all for everything!
This little community is the best!
I will be sure to update again once rates are finally locked in!
Congratulations....Good luck on TU!
You on the ladder now, just keep on climbing.
Got that TU!
Give yourself a hug
Thank you- TU came through and I am in the 620-640 tier now!
The plan is to secure this mortgage, then refinance mine and my old ladys vehicles within the next year or so.
The score increases from here are going to be a little harder to come by, but it is such an awesome feeling knowing you are getting out from under this giant cloud that has been looming over your head for so long .
Congratulations so happy for you!
This thread was thrilling to read mainly due to your persistence and action!
I am very please that you have achieved and gone beyond your goal by quite a few points!
CONGRATULATIONS!
@Anonymous wrote:**UPDATE**
Transunion just posted- pushed me to 631 from 598- which is MORE than enough to qualify for the loan we wanted at the rate we wanted!.
Total score boost is as follows for the mortgage scores
Equifax + 25 points
Experian +32 points
Trans + 35 points-
Putting my middle score at 631!
Thank you everyone for all of the advice and encouragment !
@AllZero @Anonymous @Credit4Growth @Seamslong @tooleman694 - thank you all for everything!
This little community is the best!
I will be sure to update again once rates are finally locked in!
Congratulations on your score increases! I'm excited for you. End of May can't come soon enough.