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@Anonymous wrote:
Wow, I am surprised to read the comments about the lighthouse program. I just joined a month ago. My rep had me pay two medical bills and ask to have them removed. They were eventually removed. Now I am working on getting my credit usage down to 20%. What I don't like is that all of my creditors do not regularly update my balances to the credit bureaus and lighthouse sends me a email to say that my balances are not going down despite me throwing about $1000/mo on them. Lighthouse doesn't guarantee preapproval even if you follow everything they tell you to do. I had the Experian fico app on my phone but my score was racing up and down that I couldn't take the anxiety so I deleted it. I never got higher than 609. It went 587 to 609 and now back to 588. I do feel disappointed and I have PTSD too. I am beginning to think I may never make it into a home.
Hi Priceless963,
You need to start working with a lender who will actually help you get your scores up instead of passing you off to someone else. For example: When you pay down a credit card, I can order a rapid re-score & have updated scores in 3-5 days instead of waiting 30 days for your creditors to report the new balances.
You do not need a 620 or better score to get approved for a VA mortgage.
See this post:
http://ficoforums.myfico.com/t5/Mortgage-Loans/Lenders-for-VA-loan-with-597-mid-score/td-p/4945735
Could you please send me the PM as well? We've working with United Verterans Lighhouse and need 26 points to pre-qualify with a middle score of 620.
Please PM the list as well. We've been working with United Veterans and they told us we needed 26 points to pre-qualify for a middle score of 620. Each time I talk to them about the lighthouse program they need the same information I have already provided to them. We feel like we are in revolving process not getting anywhere.
What company diid you use, and who did you use for crdeit repair?
I tried in Feb to get a loan and was referred to the Lighthouse Program by Vet United.
I didn't really feel they helped me a whole lot. Most of the work I did was from here. Paying off old things, Goodwills. Payment structures. Establish new credit. Reading on here and learning I felt helped 1000% more than Lighthouse.
I closed in July with Veterans United, but other than the weekly calls to check in and their free service to request a new credit score faster, I question the usefulness.
The agent I worked with did say that I seemed to have a good handle on my situation and what I was doing, so perhaps I did not get the full treatment though. Just my 2 cents.
@Anonymous wrote:What company diid you use, and who did you use for crdeit repair?
Hi Nelz47,
You don't necassirly need a credit repair company depending on what's affecting your scores.
You do not need a 620 or better score to get approved for a VA mortgage.
See this post:
http://ficoforums.myfico.com/t5/Mortgage-Loans/Lenders-for-VA-loan-with-597-mid-score/td-p/4945735