Trying to get 100%fin.with closing costs included…Need a better score…. any Ideas?
I just recently paid off my husbands debts. 241 in collections, 544 asset.My CS was 597 it was reduced to 588 when the asset showed paid & closed.Im hoping when the debts show paid it will raise back up!:) I don’t have any Credit Loans on my Report although I did pay off our truck w/ 250pym a/f Dep. in 2yrs on time, they just didn’t report.Can I make them?My Hus. is a Sheriffs Deputy & only makes 25000yr. 🙁 (we live in Rural AR)Luckly housing here is also cheap! I know that I need to get some type of credit loan to up my score ,but w/out a good CS that’s nearly impossible! Can I acquire a 100%fin. mortgage loan now or should I keep trying to acquire more credit! IntellI show good Pym history getting a decent card is almost nonexistent! Does anyone have any ideas? Whats the diff. b/w FACO & FICO scores, which does a mortgage co. use?I feel like OK I have no debts therefore I CAN afford a loan in this area! Yet I must acquire them to get a loan! If I waited getting a card would be easy!