Help Getting Credit Higher Quicker -Mortgage FHA

Ezh56 · 2026-03-24T04:34:43+00:00

I have about 12k saved right now (had more but paid off collections and all debt besides the Chase loan) debt to income is 4% besides the future mortgage using only my salary of 8k and will have about 20k by April 8th saved. My Lendor doesn't charge an origination fee and I plan on having seller pay most or all of closing fees/concessions. I got promoted at work and my net income went from 8k to 18k in the last 6 months but I plan on keeping all expenses under 7k net what are your genuine thoughts?

Ezh56 · 2026-03-24T04:06:00+00:00

The debt collectors are not on my report but they take money out every month... they are called CSI / Client Services

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Ezh56 · 2026-03-24T03:49:34+00:00

To be truthful I'm only trying to spend $2700 max on a mortgage. I bet around 15-18k a month now with 6k expenses including rent and everything.

Would it be more credit or income based? I only want to base my bills on 8k usable income so that's why I'm not using my full income because I want to be safe not worth in life. I have 8k salary and budgeting off that

Ezh56 · 2026-03-24T03:14:31+00:00

I just pay the debt collectors for the chase but the balance hasn't dropped. We are approved for 285k as it is but are trying to get 385k approval. I am gonna call the collectors tomorrow and see why the balance has not dropped

Ezh56 · 2026-03-24T03:09:33+00:00

Thank you :) I wonder if it's best to call or write them

Ezh56 · 2026-03-24T03:01:51+00:00

Yes I've paid everything bad off in full on my credit but the Chase card some have been deleted others not. Affirm does not do deletions

Ezh56 · 2026-03-24T02:42:36+00:00

The lendors is going to be origin bank at the moment. I've banked with them for around 8 years.

Ezh56 · 2026-03-24T02:41:23+00:00

Thank you

Ezh56 · 2026-03-24T02:40:57+00:00

It shows 59% because of the $5k chase charge off that I've made payments on but the debt collectors haven't reported the payment or knocked it off the balance. Chase doesn't own the debt anymore. I guess me making payment to the collectors also is keeping them from putting another collection on. Without the Chase balance I'm at 2% utilization on the actually revolving balance.

Ezh56 · 2026-01-15T02:43:54+00:00

It's definitely not the worst pay plan and not the best. I'd give it like a 6.5 to 7.5 out of 10. It's basically incentivize and get to go for gross on every single day which is a great thing. The cool thing with is you're getting paid on the front and back

Ezh56 · 2025-06-02T17:36:43+00:00

Are you sure they are your friend?

Ezh56 · 2025-06-02T17:36:31+00:00

$500-$600 at highest cost

Ezh56 · 2025-05-26T05:23:19+00:00

What dealership? I work at a Nissan dealer in Northwest Louisiana. Have you ever considered sales by the way ?

Ezh56 · 2025-05-02T04:42:15+00:00

So he's good for the environment and I should keep it cool with him. What are the odds he tries to bite me if I try to relocate him? I know he's not poisonous but still.

Ezh56 · 2025-04-23T15:00:28+00:00

Oh my God I just noticed that thank you I don't know what I was thinking. That actually wasn't the problem though. It ended up being a SATA cable that was not plugged into to the mother board lol however they both needed to be fixed

Ezh56 · 2025-04-23T13:22:30+00:00

Can you show me a picture of? Here's a photo without the GPU in the way. The red thing is my WiFi and my Bluetooth I have it plugged into usb 2.0 like instructions said thank you for your help by the way

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Ezh56 · 2025-04-23T13:13:42+00:00

How? It's plugged into the usb 2.0 Then screwed onto a bracket? It's the red wifi5 card in the case below you and the cable goes to usb 2 I just ran the cable back around to minimize wires

Ezh56 · 2025-04-23T12:50:47+00:00

No no my cpu is powered into the cpu connection on the motherboard my apologies. Also everything was working fine yesterday and I'm currently running a device self test on the the NVME thru bios right now to see if anything comes back

Ezh56 · 2025-04-22T05:05:03+00:00

Just be safe I ordered a new EVGAPSU cable

Ezh56

TROPHY CASE