. Countrywide finally sent a denial letter like a month after I applied.
“After careful consideration of the application, we are not to approve your request at this time, the reason (s) for our decision are:
DEBT-income ratio: Excessive OBLIGATIONS relative to income. PROFITS insufficient levels of credit requested. INSUFFICIENT residual or disposable income. “
I really dont get the last reason .
Anyway, my household income is ALL DEBT 8k/month
my ~ 70k
still of

Today I looked at CR and noticed a fresh hard inquiry on all 3 CRA
SARMA
1801 Broadway St
San Antonio, TX 78215
I trying to find a number to call, but only found the above address to send “customer dispute” then I 0.
pulled Experian, and this is whay it after Comment:
Real estate loans on behalf of Henger Rast and Associates.
I then tried to look at these people and could only with an office that did not know what apply.
Anyone aobut it?
I in any

My base salary is $ 45,000 and my commission so far this year is $ 20,000. (Commission varies from month to month) Total salary this year, including my commission is set at $ 70,000 – up to $ 80,000. I have no loans, no credit card debt and my values are TU632, EQ625, EX661. About 5 small collections but all total less than $ 2,000. I know it may not be able to commission factor, but I will be in a position to be highly qualified only on my salary?

Help!
Mortgage is likely to be reported 30 days in a few weeks because of bounced e-Check (DD missed by hours). Called mortgage bank, spoke to CSA, which is said to check probably 30 days late and will be making funds (auto-B / T) is presented. Check erased early / didn 't pay early (like last holiday). Was short because of Christmas holidays (travel, etc.), then tried to mail pending the payment of 30/31 expressed his fingers crossed.
Any proposals for a goodwill letter to futur

Here is the scenario
me – middle score of 565 – hopefully 580 by the time I use (I assume 580 is the Magic # middle?)
job – 5 years, salary of 40K bonuses up to 45K
hubby – mid-twenties 580
job – Part-time , 1-year same industry, about 8700/year varies, the lowest
monthly obligations – car, cc's etc sl – 820
Looking in a house – only online, not wasting everyone's time? – That is do-able
If 80K
Is this is not the magic # 580, what is? Should we

Hi all, I am new to the forum. I have my doubts as to the credit forum and they told me that you nice people on the mortgage forum have some good info! DH and I met with a credit counselor this past weekend, and she said that we must be both at 620th He is there, but his income is not high enough to get at $ 40K for a decent loan on your own. I'm at 580 and income is $ 50K. She gave me some tricks to get my score, which was paying off two recent derogatories and brings my only current credit

I am 63 years old, ~ 739-740 credit score, no debt at all, which of course hurts my guests. Strong rental history and a 6 year, paid off mortgage TU.
I shown own (paid) 10 acres in a rural community. I want a log cabin made Sattler on my property. Set the bowl in 2 weeks.
I get Social Security, and one can earn only $ 14,000 per year if you are under full retirement age. I can just pay the mortgage, I have wealth, but my fortune rat labeled properly, nothing like a 401K or bank saving

I'm not sure where to start. My boss tells me to go to a real estate office and start now. I'm not ready to buy, until February / March 2010 for definite.
I'm still in the process of cleaning my credit card. I do not want multiple pulls on my credit card because I try a few new cards have to win now.
Is it too early to go now? She tells me to go and find out what I can do. Does that sound right?
Thank you!

Aughts Were A Lost Decade For The US Economy
Another post here by a person with only 3% down payment asking if homeowners or banks are covering closing costs on short sales really opened my eyes to a certain mentality that I have seen more than once lately. I won't place it squarely on Gen-Y, but suffice it to say that it wouldn't be the first time by a long shot that this has been the case in my experience. That mentality is that nothing is sacred, so nothing is learned. Its as if

I finally offers on homes in 2 . Ahhhhh . I'm too impatient to wait for a response. They are both bank owned so hopefully in a few days.