[CogSciGuy]

I already got qualified for a loan with a couple different mortgage brokers a month or so back, before I backed out and decided it was dumb to go with an IO ARM, esp. with the market tanking for the foreseeable future. So I’m not too worried about what a bank is willing to lend me–I’m sure I can get much more loan than I actually want.

As far as raising my score…I’m just making regular credit card payments on two cards and then my car and student loan payments. Is there something you’d recommend above and beyond that?

[CogSciGuy]

I already got qualified for a loan with a couple different mortgage brokers a month or so back, before I backed out and decided it was dumb to go with an IO ARM, esp. with the market tanking for the foreseeable future. So I’m not too worried about what a bank is willing to lend me–I’m sure I can get much more loan than I actually want.

As far as raising my score…I’m just making regular credit card payments on two cards and then my car and student loan payments. Is there something you’d recommend above and beyond that?

[CogSciGuy]

I already got qualified for a loan with a couple different mortgage brokers a month or so back, before I backed out and decided it was dumb to go with an IO ARM, esp. with the market tanking for the foreseeable future. So I’m not too worried about what a bank is willing to lend me–I’m sure I can get much more loan than I actually want.

As far as raising my score…I’m just making regular credit card payments on two cards and then my car and student loan payments. Is there something you’d recommend above and beyond that?

[CogSciGuy]

I already got qualified for a loan with a couple different mortgage brokers a month or so back, before I backed out and decided it was dumb to go with an IO ARM, esp. with the market tanking for the foreseeable future. So I’m not too worried about what a bank is willing to lend me–I’m sure I can get much more loan than I actually want.

As far as raising my score…I’m just making regular credit card payments on two cards and then my car and student loan payments. Is there something you’d recommend above and beyond that?

[CogSciGuy]

I already got qualified for a loan with a couple different mortgage brokers a month or so back, before I backed out and decided it was dumb to go with an IO ARM, esp. with the market tanking for the foreseeable future. So I’m not too worried about what a bank is willing to lend me–I’m sure I can get much more loan than I actually want.

As far as raising my score…I’m just making regular credit card payments on two cards and then my car and student loan payments. Is there something you’d recommend above and beyond that?

[CogSciGuy]

I’ve had the same job for 4 years. My FICO is like 675 right now (bankrupcy 4 years ago). I have $10K saved for down payment.

I’m not sure on the timing of when I’ll buy just yet. I’ll probably be waiting at least a year to save another $20K or so and boost the FICO a bit–assuming prices don’t start to increase.

[CogSciGuy]

I’ve had the same job for 4 years. My FICO is like 675 right now (bankrupcy 4 years ago). I have $10K saved for down payment.

I’m not sure on the timing of when I’ll buy just yet. I’ll probably be waiting at least a year to save another $20K or so and boost the FICO a bit–assuming prices don’t start to increase.

[CogSciGuy]

I’ve had the same job for 4 years. My FICO is like 675 right now (bankrupcy 4 years ago). I have $10K saved for down payment.

I’m not sure on the timing of when I’ll buy just yet. I’ll probably be waiting at least a year to save another $20K or so and boost the FICO a bit–assuming prices don’t start to increase.

[CogSciGuy]

I’ve had the same job for 4 years. My FICO is like 675 right now (bankrupcy 4 years ago). I have $10K saved for down payment.

I’m not sure on the timing of when I’ll buy just yet. I’ll probably be waiting at least a year to save another $20K or so and boost the FICO a bit–assuming prices don’t start to increase.

[CogSciGuy]

I’ve had the same job for 4 years. My FICO is like 675 right now (bankrupcy 4 years ago). I have $10K saved for down payment.

I’m not sure on the timing of when I’ll buy just yet. I’ll probably be waiting at least a year to save another $20K or so and boost the FICO a bit–assuming prices don’t start to increase.

[CogSciGuy]

Oops, meant to post this in the general “housing market” forum. Oh well.

[CogSciGuy]

Oops, meant to post this in the general “housing market” forum. Oh well.

[CogSciGuy]

Oops, meant to post this in the general “housing market” forum. Oh well.

[CogSciGuy]

Oops, meant to post this in the general “housing market” forum. Oh well.

[CogSciGuy]

Oops, meant to post this in the general “housing market” forum. Oh well.

[Author]

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