We had finally chosen a new complex and then the wonderful task for filling out the application!!
Well, of course I was nervous. This apt. it with Equity Residential, which we included in our BK form balance left from a move out in Dec. 2001. (we filed in 2005, discharged 2006.
She called back today to say "Auto approved for lowest deposit!" She said my FICO was 682 and hubby's was 672. Their cutoff for autoapprove was 660. Below 660 then you hav e to provide documentation of income, etc.
I had disputed off the acct for the previous apt with Equity, so I guess they don't keep an internal record. We almost didn't even apply due to the previoius acct.
We are so excited. Finally we will have airconditioning, a fitness center, and no peeling paint!!! We are paying 1700 for an apt that is going down hill fast...even though it right near the beach, its just not worth it! We will be paying 1890 at our new place, but it is well worth the increased amount, because I will be able to take the metro into work now instead of driving!
So our true credit scores are pretty right on. Those scores above were our middle scores on truecredit by 5 points.
Oh, and she also asked my what I had said "yes" to my husband filing BK because it doesn't show up on his report at all! (his bk's were disputed off because the date was wrong)....and I guess they really didn't ever come back to anything. I told her that he had so we do always answer yes. She said, oh, the BK is now big deal anyway, we really don't base it on that.
Well, of course I was nervous. This apt. it with Equity Residential, which we included in our BK form balance left from a move out in Dec. 2001. (we filed in 2005, discharged 2006.
She called back today to say "Auto approved for lowest deposit!" She said my FICO was 682 and hubby's was 672. Their cutoff for autoapprove was 660. Below 660 then you hav e to provide documentation of income, etc.
I had disputed off the acct for the previous apt with Equity, so I guess they don't keep an internal record. We almost didn't even apply due to the previoius acct.
We are so excited. Finally we will have airconditioning, a fitness center, and no peeling paint!!! We are paying 1700 for an apt that is going down hill fast...even though it right near the beach, its just not worth it! We will be paying 1890 at our new place, but it is well worth the increased amount, because I will be able to take the metro into work now instead of driving!
So our true credit scores are pretty right on. Those scores above were our middle scores on truecredit by 5 points.
Oh, and she also asked my what I had said "yes" to my husband filing BK because it doesn't show up on his report at all! (his bk's were disputed off because the date was wrong)....and I guess they really didn't ever come back to anything. I told her that he had so we do always answer yes. She said, oh, the BK is now big deal anyway, we really don't base it on that.
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