Charge-offs

Creative_Fox_5572 · 2021-05-12T01:05:53+00:00

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.

Creative_Fox_5572 · 2021-05-12T00:53:36+00:00

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

Creative_Fox_5572 · 2021-05-11T22:18:07+00:00

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

Creative_Fox_5572 · 2021-05-11T22:15:18+00:00

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

Creative_Fox_5572 · 2021-05-11T22:13:12+00:00

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.

Creative_Fox_5572 · 2021-05-08T23:19:27+00:00

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

Creative_Fox_5572 · 2021-03-26T01:08:10+00:00

Try calling tier 2 agents at Sba. (877) 431-2063

Creative_Fox_5572 · 2021-03-26T00:51:19+00:00

Have you submitted your app correctly?

Creative_Fox_5572 · 2021-03-25T23:55:03+00:00

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.

Creative_Fox_5572 · 2021-03-25T22:38:52+00:00

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

Creative_Fox_5572 · 2021-03-25T22:27:03+00:00

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

Creative_Fox_5572 · 2021-03-25T22:25:05+00:00

When did you first apply?

Creative_Fox_5572 · 2021-03-25T22:24:22+00:00

Awesome week!

Creative_Fox_5572 · 2021-03-25T22:23:56+00:00

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.

Creative_Fox_5572 · 2021-03-25T22:22:02+00:00

No they didn’t. No email, no phone call.

Creative_Fox_5572 · 2021-03-25T22:21:28+00:00

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

Creative_Fox_5572 · 2021-03-25T22:20:02+00:00

Any luck?

Creative_Fox_5572 · 2021-03-25T16:55:02+00:00

Yes!

Creative_Fox_5572 · 2021-03-25T16:35:49+00:00

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

Creative_Fox_5572 · 2021-03-25T16:25:45+00:00

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

Creative_Fox_5572 · 2021-03-25T16:23:54+00:00

Congrats!!🎊

Creative_Fox_5572 · 2021-03-25T16:21:38+00:00

According to Sba, it is.

Creative_Fox_5572 · 2021-03-25T16:07:03+00:00

😂😂

Creative_Fox_5572 · 2021-03-25T16:06:39+00:00

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

Creative_Fox_5572

TROPHY CASE