{February 26, 2021}   652, 623, 618 Still Not Good Enough

Last year around November you may remember I checked on buying a house. They said I needed a 620 or better credit score. Well about a month ago I was going by the place where they sell new trailers and decided to stop in look around and ask all the questions.

I was surprised she said I should have no problem getting a place with my income and credit. They had some nice place. All they had on the lot were 3 bedrooms. I asked about bigger places she said 4 was about as big as you wanted to go. Because the rooms start to get small.

I came home and started looking them up and seen them with 5 bedroom 3 bathrooms living room and family room. The rooms were really good size still. I picked out 2 floor plans I liked. She told me that I should take my down payment pay cash for the land and use it as the down payment for the trailer. So I started looking at land. Then I had some questions so I went back the next weekend. This time I talked to a guy. Boy was I glad I stopped in before I bought property.

He answered my questions and showed me the plans I was looking at on the computer told me what 3 bedroom model they were on the lot. Then he said I needed to get everything done right then or very soon so they could get my order in. Because they are on back order until December!!

The women told me I could move in June if I got everything rolling in February. I can’t wait til December. He said if I Wanted to roll part or all the land into fencing I would need a 640. Needless to say I left feeling defeated.

So since my scores were over 620 I decided to call the mortgage guy. Who in November said get it over 620 you can get a house. He basically acts as if I am bothering him and says no I need a 640. I told him I just wanted to buy not build. He said I still needed 640. I didn’t have enough down. I have like $10k down. I hung up and decided I wasn’t going to deal with him. A few days later the guy at work gave me a number to someone who can get me the money and find the house. Do it all like my boss did when I bought my first house.

I called him he said since fucking covid they went up on what they want and I need a 640 for my middle score. I knew it was middle. Mine weren’t close to there. They updated and one shot to 652 the others went up but still 17 points from 640. Then something hit my credit and knocked my other score back to 580 something. Now I am waiting until Sunday when they update again to see if my 623 goes to 640 and my 652 stays. I was even looking for someone to add me as a user on their credit card. If they have had it for a while with no late payments and at around 10% usage it will bust my credit. I wouldn’t need access to the card, nothing would happen to their credit nothing. Once I close they can take me off. If my dad was here I would of had my new house for Christmas.

But with every thing happening around here and what happen Monday. I think I am going to call him I need him to just find me a house to rent. I am going to find out what happens if I get a rental then buy. If my score don’t go up then i can work on it a bit.

Rents are just so high and still going up. Why a trailer seemed good. I would have a bedroom for everyone. Girls would have a bathroom boys would and I would. We would have a family room that could be used for all kinds of things and even a 6th bedroom if we needed. Plus it would be brand new never lived in warranty on everything. I have land. I would have around $140,000 into it. I cant even get a 3 bedroom for that. It would be mine. I could have and do whatever I wanted.

I just don’t know what to do at this point. I had found about 5 or 6 house’s I wanted to look at. The one I really liked was in a really nice area. They were all 4 bedroom 2 or more bath. I made my mind up if I buy it is going to be at least a 4\2. I can’t touch a 5\2. It surprised me what a jump in price for an extra bedroom. I found a 3 bed with a finished garage. It was a two car i could put a few walls and couple doors to make 2 more bedrooms. I liked it but liked the others better. But in the last 2 days all but two of them are gone. I am thinking maybe waiting to see what comes up the next few months too and if prices drop. I don’t know what to do at this point.

{April 10, 2017}   Making A Plan

As you all know me and the kids want to move out of state we are just waiting on me to get done with school so that we can. We have to still decide where we are going to go and things as well. But the last few months it is starting to seem real. I don’t know why but the last few weeks I have been thinking about it more and really starting to working on the things that have to be done or need to be done to make our plan go as smooth as it can.

I checked my credit and credit score the other day and am working on a few things I think should not be on there. I am hoping they will come off and bring it up a good amount and then I am going to try to get a credit card to help show open line of credit that is good. I hope between the stuff coming off bringing my score up and hopefully going back to work I will be able to get one. If I can’t I guess I will go for a secure card. For a little while to start off. I do not want to carry a huge balance on it, I just want to use it for gas or gas and paying bills on each month. Then pay it off when the statement comes in each month.

If I work between now until the end of the year then I can file taxes. Since Father of the year can’t get any credits and things for the kids then I am going to see if he will just let me file them. That will give me a good amount back in taxes in March. I want to put that away to move on.

I think I will also use part of it for me and the kids to take a road trip Spring Break of next year. We will pick out our top picks that we are considering moving too and go check them out in person. Then hopefully be able to pick one to move to.

If all goes well I would like to move the first week of June. Here the kids get out middle of May that will give us a little time to get things settled up here and get ready to go. That will also give us the Summer to get settled in wherever we go learn our way around and things before the kids go back to school. I hope to go with job leads and be able to start when I get there or shortly after. I want to learn the area and save some money to buy land. I want to buy at least 25 acres. I figure if I have 25 that will give me 5 to put a house on and do with whatever I want to do with it. That will leave me 5 for each of the kids to put a house on if they want to. This way they will have the land just have to put something to live in on it. They will have 5 to do with what they want to do with it. Plus it gives all room to put a place and not be right on top of each other but still be close if we want to. If they don’t want their 5 right away or ever I will have extra do with what I want. But knowing my animal loving kids they will want their 5 to have their animals and all that on.

I want to find an area that is nice, kid friendly, out away from things but not 50 miles from a store and things. We want to be out in the country where we can do what we want and no one is around to care and if they are they don’t. I hate living right on top of people like I do now.

We also want to do a horse program where we do therapy with kids and adults with the horse’s. But that will not happen for another three years or so. Longer term goals to go with our shorter term goals.

We still have not told family other than Father of the Year and I don’t think he thinks we are going to really do it. But he will see when it happens. I have to start filing my papers through the courts about the first of next year as well so that I make sure it gets done by the time I want to go.

Off to research some states.

{April 1, 2017}   Pleasant Surprise

I had been talking to my sons therapest about credit and credit scores things like that. Her and her family are trying to move and buy a house and she knows I want to move and get a house in the next few years. She found some problems on her credit and they weren’t little problems they were major have to get a lawyer involved problems because they put things that were already paid on her report and then dated it for different dates. They keep putting it back so she has to get it taken off so they can get their house.

I had said mine was a mess from when me and Father of the Year were together because of how bills got paid or didn’t get paid I should say. She told me to look at mine and make sure that everything was right and if it wasn’t then to let them know it because they have to fix it. That has been a week or two but I hadn’t done it with everything going on. I thought of it for some reason tonight and went on there to see how bad the damage really was and I was very pleasantly surprised at what I seen.

My score was a 544 for one and a 533 for the other company. I know this is not great but it is not horrible by any means and not near as bad as I was expecting at all. I was expecting a 2 or something. The lowest of the low that you could get for bad credit. I know it isn’t good but it is on the top of the needs improvement side. I think that I can get it even higher in the next few weeks. One the one report I see where a company says I borrowed money but it says I have $0 balance and $0 late payment. I have no idea who this company is but all I can put together is that it is from when me and RC got the loan on my truck. It is almost the same amounts and it is the same day. But they are not the company I got the loan from and the one I got it from has already put it on my report so I don’t think they can put it on there twice. Since the information isn’t all matching up with the other I just put that I had no knowledge of it because I really didn’t until I pulled my report and if they are saying they have no late payments and they have no balance how can they put it on my report anyway. That is on both of my reports. Then my student loans from back in 2009 that have been paid with my tax money and with payments when I started school this time are still showing on there. I just sent in on them too and said these have been taken care of and they are old they should not be on here anymore. I am waiting to see what they say about them. If the student loans come off that should bring my score up because it is listed as 3 or 4 loans not one. On my other report it is listed as one and the other one I have already turned in is on there as well. I have to sent them in. I tried to tonight and answered one of their questions wrong so it won’t let me do it on line right now. I am also going to wait and see if the first company takes them off or what I have to do to get them to. Then I can just turn it all in at one time to hopefully get it all off both of them. I had 12 things reported on one site and 10 or 11 on the other most are my loans since I started school. I also have one I have to write in about because it is showing that the loan me and Father of the year had that we paid off on time is showing bad on my credit as well. That one should not be showing bad because we paid it in full and on time didn’t miss payments and it is as old as my 11 year old so it should have came off as well. The company with the score of 533 has all those on it then it also has a few for the hospital and those were paid so I have to see why they are there. I think if I get those things off it would be about half of what is on there and most all the negative but one so it should improve pretty good.

I looked up what kind of score I need to but a house, for a normal loan I am 76 points away from having a high enough score and for a FHA I think you can get if you have not owned a home with in so many years I am only like 36 points away from getting. I hope that I can get all this taken care of.

I was trying to figure out how my score was so good and where all the crap is that I was expecting to see but, thinking about it most of the stuff from me and father of the year is so old it has dropped off. I am also super surprised that my house is not listed on my credit. I don’t know if maybe it would be his since he was the primary on the account or what. They finished that in 2012 so it wouldn’t have come off yet. It seems to good to be true but I am looking at it. I don’t know what to think. I am just hoping they are right and this is an quick easy fix for me. Now I can keep it up and good because I control the money and things.

{March 13, 2014}   One Step Closer To…..

Being debt free, $5970.50 to be exact. Not bad considering I was about $$8500 give or take in. Didn’t happen under the best way it could have and I really could use the money right now I am ok with it. I’m not stressed and feel that everything is going to be ok.

We filed our taxes last Wednesday and by Friday they said it would be in the bank by Tuesday. I was hoping it would slide through without being caught and just go in since they did it so fast. But it didn’t. I owe student loans. Wait I owed student loans and was in default. I should have taken care of it but really hadn’t felt like it and then just busy. I didn’t know what to tell them either I really didn’t have any money to pay them. I have sat here for months and months without a dime to do anything. Just now starting to get things turned around. When I tried to talk to them all they wanted to hear was that I would send them X amount every month. I couldn’t so I just hadn’t called them back. Well Monday when I checked my taxes it said they had taken the $5970 out for my loans. They are now all paid off. Don’t leave much to move on none to fix my truck or try to buy the one I been looking at or any to start the business I had been working on. But at least I don’t have to worry about it. It least it won’t happen when it is just me and the kid and we may need it more than we do now.

The good new to is I can now go back to school. I can get government grants and loans again. I am going to try to go in next week and see if it is to late to sing up for summer classes online. I’m not taking out anymore loans right now. Just going to do what I can with grants. Then will see what to do with the rest. Maybe closer to the end I may take a few out. But once I finish school I shouldn’t have any problems paying them back. I will get a better job then I have ever had I hope and make decent money.

I the next big thing I have to get paid off is the loan I took out with RC on my truck. It is about two thousand maybe twenty five hundred now I’m sure. I paid and paid on it but after I had the baby I wasn’t able to pay on it. I have had to use that money to pay for stuff for the baby every month. Diapers and things are not free and with no help from RC I been doing it all myself. I am thinking that when I go for support on itty bitty asking them if they can have him help pay the loan back. I don’t know if they will but if they do that will be great every little bit helps. I could take him to court and sue him for it but don’t know if I really want to be bothered with all that. I have to find him and go to court and everything for baby girl and finish court with father of the year over our divorce so I probably won’t even mess with it.

Other than that I have a couple little things here and there that I need to take care of. Then I should have pretty good credit. I will have credit for once that isn’t good or bad or none. I went from none to bad.

et cetera
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