Hi, Guest
06-01-2006, 09:57 AM
As you all know I'm trying to buy a house. Lots of people do this, and many people become happy. :)
So about 3 weeks ago I applied for a pre-approval and the banker comes back to me and says, You have some issues on your credit report you should get checked out."
I'm like, okay WTF can go wrong now.
So I call up one of the credit bureaus and the guy on the other line goes through my report and brings up:
1. My credit card - Okay that's cool.
2. Woolco credit card - WTF?
3. Car payments in the early 90's - I WAS TEN YEARS OLD AT THE TIME!!!
4. House loan from the sixties or seventies (can't remember) - I WASN'T EVEN BORN YET!!!
Anyways I had a long talk with him and with my dad and it seems that our credit got mismatched.
Nonetheless, fast forward to today and now the report is good except for one thing. They used my dad's middle inital instead of mine on my report. I'm not sure if its gonna be a big deal when it comes to the mortgage, but its a real pisser.
So the moral of this story is if you have kids, don't name them after the father or mother. It just cause BS down the road. :rolleyes:
So about 3 weeks ago I applied for a pre-approval and the banker comes back to me and says, You have some issues on your credit report you should get checked out."
I'm like, okay WTF can go wrong now.
So I call up one of the credit bureaus and the guy on the other line goes through my report and brings up:
1. My credit card - Okay that's cool.
2. Woolco credit card - WTF?
3. Car payments in the early 90's - I WAS TEN YEARS OLD AT THE TIME!!!
4. House loan from the sixties or seventies (can't remember) - I WASN'T EVEN BORN YET!!!
Anyways I had a long talk with him and with my dad and it seems that our credit got mismatched.
Nonetheless, fast forward to today and now the report is good except for one thing. They used my dad's middle inital instead of mine on my report. I'm not sure if its gonna be a big deal when it comes to the mortgage, but its a real pisser.
So the moral of this story is if you have kids, don't name them after the father or mother. It just cause BS down the road. :rolleyes:
Sold:2001 SE 2.0L SPI w/60mm TB, Steeda Shorty Intake.
Active: 2007 SES Hatch, Motegi MR7 Rims with 215/45ZR17 Michelin Pilot Super Sport Tires, debadged, black painted calipers and drums, RS Knob, CFM Short Throw, Billet E-Brake, CFM Focus pedals, MBRP Exhaust, XCal2, FS Front and Rear Strut Tower Bars, Diamond Plate Floor Mats and Sills, Alpine MP3 Deck, Alpine V-Power 300w Amp, Pioneer IMPP Sub, AlpineType-S door speakers, VF Engineering Rear Motor Mount, F2 RS Spoiler, Tokico D-spec shocks, HTP Cross Brace, EBC Rotors, Hawk HPS Pads, Russell SS Brake Lines, RS Wheel, SVT Blue Seats, Vibrant 2.5" Race Highflow Cat, CFM UDP. Rear SVT bumper to come.
Active: 2005 Jeep Wrangler Unlimited TJ [LJ], Volant CAI, 32" BFG Mud Terrains, and a whole bunch of goodies.
Active: 2007 SES Hatch, Motegi MR7 Rims with 215/45ZR17 Michelin Pilot Super Sport Tires, debadged, black painted calipers and drums, RS Knob, CFM Short Throw, Billet E-Brake, CFM Focus pedals, MBRP Exhaust, XCal2, FS Front and Rear Strut Tower Bars, Diamond Plate Floor Mats and Sills, Alpine MP3 Deck, Alpine V-Power 300w Amp, Pioneer IMPP Sub, AlpineType-S door speakers, VF Engineering Rear Motor Mount, F2 RS Spoiler, Tokico D-spec shocks, HTP Cross Brace, EBC Rotors, Hawk HPS Pads, Russell SS Brake Lines, RS Wheel, SVT Blue Seats, Vibrant 2.5" Race Highflow Cat, CFM UDP. Rear SVT bumper to come.
Active: 2005 Jeep Wrangler Unlimited TJ [LJ], Volant CAI, 32" BFG Mud Terrains, and a whole bunch of goodies.
