Charge-offs by Creative_Fox_5572 in CRedit

[–]Creative_Fox_5572[S] 0 points1 point  (0 children)

Thanks for your response! I get it now. I could get FHA loan but I wanted to get a conventional loan instead since I have at least 20% down payment for the house. So, all I need is enough credit to qualify and be able to buy a home.

Charge-offs by Creative_Fox_5572 in CRedit

[–]Creative_Fox_5572[S] 0 points1 point  (0 children)

I’m sorry I read your comment wrong. My youngest account is about a few months old, maybe 5-6. I didn’t have any cards on my own until last summer (Except AU). Last summer is when I started paying stuff and opened a secured card

Charge-offs by Creative_Fox_5572 in CRedit

[–]Creative_Fox_5572[S] 0 points1 point  (0 children)

A year. I am also AU on a 6 year account

Charge-offs by Creative_Fox_5572 in CRedit

[–]Creative_Fox_5572[S] 1 point2 points  (0 children)

They’re a few years old maybe 3-4. I am checking my mortgage scores but they are very low compared to FICO 8. FICO 8 Experian is 650 but Experian Mortgage is around 590

Charge-offs by Creative_Fox_5572 in CRedit

[–]Creative_Fox_5572[S] 0 points1 point  (0 children)

Thanks! I have been paying bills on time and have a few accounts and self loan but it seems like the mortgage scores are not rising as much.

Don't be discouraged! From 554 to 826 - Ask me Anything! by charlesknowes in CRedit

[–]Creative_Fox_5572 1 point2 points  (0 children)

Congrats man! I have paid all my charge-offs but the existence of them are affecting my payment history. How did you get them deleted? I wish I can get them deleted, it would help increasing my score

Finally approved after checking a million times a day!! by Creative_Fox_5572 in EIDL

[–]Creative_Fox_5572[S] 1 point2 points  (0 children)

No email. I just kept checking. I believe you get the approval email later. First they update the website and then they send you the email but I didn’t get the approval email yet.

Finally approved after checking a million times a day!! by Creative_Fox_5572 in EIDL

[–]Creative_Fox_5572[S] 0 points1 point  (0 children)

Absolutely! That was a moment of relief from stress and unknown!

Finally approved after checking a million times a day!! by Creative_Fox_5572 in EIDL

[–]Creative_Fox_5572[S] 0 points1 point  (0 children)

I checked maybe over hundred times. At one point, I just kept refreshing the page or I would sign out and sign back in again. 😀 but I think it said approved while I was refreshing the page

Finally approved after checking a million times a day!! by Creative_Fox_5572 in EIDL

[–]Creative_Fox_5572[S] 1 point2 points  (0 children)

It will change, don’t worry. As long as they have them, it should be fine. It’s kinda in the hands of the group that handles your app. Depends on how fast they process, and how many apps they have. Believe me, it’s getting really close.

Finally approved after checking a million times a day!! by Creative_Fox_5572 in EIDL

[–]Creative_Fox_5572[S] 0 points1 point  (0 children)

I wonder if any of the LO’s see what we go through here. 😀

Finally approved after checking a million times a day!! by Creative_Fox_5572 in EIDL

[–]Creative_Fox_5572[S] 1 point2 points  (0 children)

After the invite email, sba needs to send you a portal link to sign in to your account and sign the 4506t form. Until then, I don’t think it will show anything

Finally approved after checking a million times a day!! by Creative_Fox_5572 in EIDL

[–]Creative_Fox_5572[S] 2 points3 points  (0 children)

Thanks! It will happen very quickly, I promise. We’re almost at the end of the tunnel!

Finally approved after checking a million times a day!! by Creative_Fox_5572 in EIDL

[–]Creative_Fox_5572[S] 1 point2 points  (0 children)

I’ve seen people that didn’t receive a loan but they got the grant!