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Everything posted by SweetDreamer

  1. Thank you all for your suggestions. We talked with a mortgage broker that our Realtor friend suggested. This guy was able to help my husband by doing a rapid rescore which brought up his scores to around 629 (all three scores). The broker did charge a small fee and since I'm not working yet we decided to just pay for the one scoring help and just have DH on the loan with both of us on the title. I'll work on my own score over time and then be added at a later date to the mortgage. We picked out our home today, and are waiting for the reply from the owner as to whether or not they have accepted
  2. The only thing on my credit is the car repo from 2002, although they did report it twice under two variations of the company name. I was able to get one removed. I did have a late phone bill from when I moved in 2002. I had assumed that I had paid it completely, but there was still a small balance (under $70), that I wasn't aware of until I pulled my credit report a few months ago. Other than that my record is good. But, I don't have any credit cards, and lots of student loans that have not come due yet since I'm still in school full-time. My scores have jumped 10 points in the last 6 weeks, a
  3. My husband and I just paid off our debt, with the exception of a repo that will fall of my history next year. Our scores are both in the low 600 (one of his is about 590). We want to purchase our first home, but according to what DH has read at work (He works for Fidelity Investments) that if our scores are under 650 to be prepared to not be approved for anything less than 8 and 9%. Is this true? Is there any way we can get a lower rate? We expected to probably get 7%, but anything more than that we will not be able to afford a home big enough for our family.
  4. Thanks...I search before I posted, but didn't even think to search for authorized users. Lots of great info came up with that topic!
  5. Hello! My husband and I just paid off the last of our debt, with the exception of a 6 year-old car loan (mine that I defaulted on after my company declared bankruptcy and my savings was only good enough for 4 months of payments). Anyway, our scores are in the low 600s now. My husband has 2 credit cards that he has never been late on, so we are guessing this will help improve his score in the upcoming months. I, on the other had, don't have any recent good credit, other than some student loans that I don't have to repay until after I graduate in December. I was thinking about getting my own cr
  6. Okay, finally got DH to call the court (I'll only hold his hand for so long). Anyways, they said that there is a judgement for Barns to collect, but that it doesn't mean they actually own the debt. The court gave a bit of other information over the phone: 1st ~ Barns did not file anything that proves they own the debt, no payment history or anything. Just that table indicating what was owed and why. They DID submit the letter that DH had written requesting proof that they owed this debt, and their response letter asking DH for that proof (which the lady he spoke too thought was odd they would
  7. My husband had a judgment against him last summer after several months of fighting with the attorney. In short, here is what happened (okay, not so short): The original creditor was CitiFinancial. The loan was made in April 2003 (before we were married) and his first default payment was Sept 2004 when his company started the procedures for Bankruptcy and laying people off. Anyways, I had paid a couple of money orders in Sept of 2005 to help him out a bit and to let the creditor know that he intended to pay on the loan once he was again in a financial position to do so. He received a letter in