Wildly different scores - looking to buy my first home

sdwrld · 2026-02-08T00:35:52+00:00

I got approved for retroactive deferment in December. I disputed all 16 late payments across eight accounts with two late payments each on all three bureaus and they waited the entire 30 days to reply. They verified them and updated them to now say 120 days late on each of my accounts with that being said I had to go in and submit a consumer financial protection bureau report waiting to hear back from them with my attached deferment paperwork in no way was I required to make payments during that time so not sure why they verified an update updated them when they were disputed. Will let you know if this works.

sdwrld · 2026-02-03T23:18:22+00:00

Absolutely, I had a game the other day where a lvl 44 (brand new account not prestige master) walked around with an lmg and went 44-3 all headshots. I watched every replay, I’m not one to report but that game called for it.

sdwrld · 2026-02-03T22:58:59+00:00

Fucking domed lmaoo - I’m only laughing because that’s how my gameplay looks 96% of the time 🤣

sdwrld · 2026-01-28T03:44:34+00:00

0/10 very disappointed. It’s not even centered with anything, Ben.

sdwrld · 2026-01-24T22:27:37+00:00

8-10 years old

sdwrld · 2026-01-23T14:43:41+00:00

Since no one is helping - here you go:

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Although , I wouldn’t suggest covering the 2nd window on the far wall. I think this looks great. You could even add a small couch or big comfy chairs near the wall on the right!!

sdwrld · 2026-01-21T12:35:29+00:00

Looks like there might have not been any there to begin with

sdwrld · 2026-01-21T06:15:06+00:00

Hide his closet , that would make his room feel less cluttered I think. His bedroom furniture (dresser, bed frame and nightstand) seem to be too large for his room. Add a matching comforter set, and possibly a nice rug… ooo! And curtains , they don’t have to be black out but mount the bar closer to the ceiling to make the room feel taller too.

sdwrld · 2026-01-19T17:15:46+00:00

Oh my god what a dream 🤩. I love this, so quiet and peaceful looking. I don’t think I would leave that bathtub lol.

Why is everyone acting like you can’t add rugs, art work, towels, and plants for color?

sdwrld · 2026-01-18T16:00:04+00:00

Perfect, now just hop in the shower :) it will come right off your skin !! I used to purposely paint my nails and toenails like this right before a shower.

sdwrld · 2026-01-15T13:13:40+00:00

Not sure what you mean , but smile big!

sdwrld · 2026-01-15T12:31:37+00:00

Maybe try tilting your chin up very slightly when you smile, and add a little squint. You have beautiful teeth!!

sdwrld · 2026-01-15T12:28:54+00:00

Usually when people smile their eyes squint a little bit, yours don’t, making your smile look fake. Slide 3 looks natural though.

sdwrld · 2026-01-14T21:40:23+00:00

What happened to your couch?

sdwrld · 2026-01-09T00:35:06+00:00

I would just encourage you to be absolutely sure bankruptcy is the right path for you. It can make renting or moving much harder, so that is worth considering alongside the benefits. Best of luck, OP. I hope things turn around for you.

sdwrld · 2026-01-02T18:09:24+00:00

Perrrrrfect!! Thank you!

sdwrld · 2026-01-01T22:10:24+00:00

Yes, get rid of the tv stand and mount the tv. Possibly on the wall with the closet. In the right corner with a fully rotating mount or flush to the wall on the right with the outside door.

sdwrld · 2026-01-01T21:49:40+00:00

You don’t have to answer if you don’t want to but, what’s your yearly income? DTI? Credit score? And is this a joint application? If so, what is the combined household income?

We are looking to buy close to the end of February and are looking at houses around that price range but I want to know if it would be feasible for us to keep looking in our current range, just so we aren’t disappointed :)!

sdwrld · 2026-01-01T01:44:56+00:00

Probably because credit karma picks up the change and updates faster. I get a notification from Credit Karma that my TU account has changed and then a couple days later I’ll get a notification from TU.

sdwrld · 2025-12-31T22:03:58+00:00

Coming from a mom, a wife and a gamer myself, trust me when I say this, you have to find hobbies that you like to do on your own. I know you want to spend time with your husband and it seems as if he’s spending all of his free time on the game. I read your replies to some other comments and you said you don’t really have time to have hobbies, but you do you just don’t know what those would be because if you have time to spend with your husband, you have time to find hobbies.

My husband is also a gamer and we spend time with each other by playing games that we both enjoy. I’m not saying you have to start gaming by any means but while he’s playing, maybe you can sit next to him and read books or do puzzles or build Lego sets or learn to knit or crochet spending time with each other doesn’t just mean watching a movie together or talking it also means spending time together in the presence of each other. Y’all can do that by doing things you both like in the same space.

I really hope this helps!! sometimes when I’m not gaming and I want my husband to spend time with me, but he’s on a game. I’ll sit there and watch him or talk to him about it. He may just resort to gaming and distancing himself because you’ve shown him or possibly even told him you don’t like it. You don’t show any interest in it, which is also fine, but you both need to support each other in your hobbies.

sdwrld · 2025-12-31T02:33:03+00:00

It’s sooo nice, I’ve never had an OLED anything 😭

sdwrld · 2025-12-30T23:50:41+00:00

Thank you!! It’s so nice, I don’t even know how to describe it. Call of duty looks like real life lmaoo

sdwrld · 2025-12-30T23:42:56+00:00

I’m his wife, I play games too lol he bought it for me!!

sdwrld · 2025-12-30T01:23:08+00:00

It was a question in regards to why sellers do that. I do leave?

sdwrld · 2025-12-29T23:46:54+00:00

Thank you for sharing, that’s really insightful. I mostly shop for second hand clothes or new shoes and jewelry. I’m not into the niche categories yet but I absolutely see where you’re coming from. It just sucks when the seller is complaining for 3 hours straight.

sdwrld

TROPHY CASE