First let me give a quick summary:
Our Ch 7 discharged 9/08. We reaffirmed our home & vehicle & paid them both off when we sold our home in March of 2009. Since then we have each opened 3 credit cards (put approx $20 on each monthly & pay off in full), we opened and paid off an $11k auto loan & a $9k auto loan. We currently have a small vehicle loan that will be paid off in Jan & we bought a new vehicle in Sept of last year. My husband just started back to work for a company he had worked for for 3 years (worked for another company for 2 years then went back) & his credit scores are Experian - 654, Equifax - 631, TransUnion - 665
We were pre approved for $40-60k through FHA & haven't heard back yet from Rural Development on a pre approval.
Does anyone have any suggestions or insight to what we can expect?
Our Ch 7 discharged 9/08. We reaffirmed our home & vehicle & paid them both off when we sold our home in March of 2009. Since then we have each opened 3 credit cards (put approx $20 on each monthly & pay off in full), we opened and paid off an $11k auto loan & a $9k auto loan. We currently have a small vehicle loan that will be paid off in Jan & we bought a new vehicle in Sept of last year. My husband just started back to work for a company he had worked for for 3 years (worked for another company for 2 years then went back) & his credit scores are Experian - 654, Equifax - 631, TransUnion - 665
We were pre approved for $40-60k through FHA & haven't heard back yet from Rural Development on a pre approval.
Does anyone have any suggestions or insight to what we can expect?
Discharged Ch 7 9/10/08
