Fgriffin

APPLYING For mortgage

3 posts in this topic

Hi everyone!!!! I’m currently sitting at a FICO of 671 but trying to apply for a mortgage! Big steps here!! But unfortunately I have 3 missed payments  on my Capitol one card in 2015! I’m going to try and try and try to get them off before I pull my credit for a mortgage but having a hard time of trying to figure out who to get ahold of. Does anyone have an email address or phone number of who to get ahold of?! 

Thank you so much!!!! 

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1 hour ago, Fgriffin said:

Does anyone have an email address or phone number of who to get ahold of?!

You can do a Google search for the Cap1 Executive Office contact information but it is a waste of time.  Cap1 is one of the creditors that has a HARD LINE stance against good will and changing accurate reporting.  If you missed the payments they are not going to remove that from your reports.  If it is an error you can possibly get it fixed but how long it will take is not known.

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2 hours ago, Fgriffin said:

I’m currently sitting at a FICO of 671 but trying to apply for a mortgage!

You're fine. If your broker is giving you a hard time, find a different one. There are an endless number of brokers that would be glad to give you money at a 671 if your only derogatory info is 3 missed payments 3 years ago. 

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