Quote:
Originally Posted by Sandsam
Modification Specialist - thank you for the information. Your note did come off condescending. ...Somehow, you seem to think I am a mess.  |
Apologize if I came off overbearing, in the last decade have directly worked 1000's of borrowers at both ends of the credit scale. You being a member of the 700+ credit score club is pretty good. I praise you on your endeavor to raise your score, this is a sign of being responsible. I can also emphasize with your family hardship. It's an analogy having a lot of cards on the table and are you looking for a way to put everything together for a winning hand.
As mentioned above what you can do to manipulate your strong higher, is sending extra applying towards your principle. I have personally done this and seen results. My wife and I brought our home in 1993 and really pushed paying extra each month, along with sending in tax returns. We paid off our mortgage in 13 years. Prior to payoff our credit scores were in the lower 700's. After the payoff we became part of the 800+ club because we no longer have the debt load.
I recommend going to
Transunion website getting a free copy of your credit report. Reviewing your report can help you better understand your FICA score, and also help plan what needs to be done to help raise it. Being that you are not currently not employed and have high debt could possible be a strong reason why your score is at the lower end of the 700's.
Years ago in college in one of my financing courses, wrote a thesis paper on the mortgage industry. Did a class presentation on personal credit and what people could do to obtain, maintain, and repair individual credit reports. My professor was so impressed, had me redo my presentation to three other classes. Along with my education and years of experience working with mortgages, have a fairly good understanding on credit. I'll walk you through getting your report and will review it with you. Check your PM...
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