Fuuuuuuck.

A

Agent Krug

New member
We got our current combined credit report. Everything seems to be as it's supposed to be. There's a few things on it that I think 3D should try to contest (for example, his former housing wouldn't provide a liveable premises, so he moved out and broke the lease), but the only thing showing up for mine is my medical bills.
 
That really sucks. Hopefully things will be sorted out.

Wait...you can lower your credit score by breaking a lease?! That's not something anyone ever tells ya.
 
Ah. Thank goodness my ex-property manager was so nice then. I would contest it 3D. If it was an unlivable situation, then you have the right to leave.
 
take out a new credit card, use about half of it each month while making sure not to max it out, and then pay it off at the end of the month. Blammo, instant better credit
 
Actually the best thing to do to raise your credit is to make equal constant monthly payments on everything that you owe and NOT get anything NEW on credit for at least one year.

The credit card thing worked prebank bail out. Now they do NOT want anything new on your credit for one year.
 
I'm sorry to hear about this, guys, I hope things turn for you soon.

Yeah, breaking a lease does show up as something to consider for lenders. It's essentially a contract based on term and monthly investment. That's why so many employers ask that "how long at present address.." question on apps. Everyone wants to know how consistent you are in everything that shows up on a receipt or lease. They even look at wireless contracts. Anything that involves money paid over a stretch of time.
 
I had forgotten about my wireless contracts.

I just paid Cingular/ATT off, and I switched to Verizon because it's better covered in the Tulsa area. I had NO service when I came to visit, so I decided to switch when I moved.

We're definitely going to start looking for an apartment no later than January. Preferably a 2 bedroom, because my brother will probably frequent our place to chill or stay for a while. In off season (when he's in college) his room will be turned into an office for us both.

The only problem we have with some of the apartments here are breed restrictions on dogs. We have 2 large dogs (Pitbull and Labrador) and many places have breed restrictions after accepting larger dogs. That's our main concern. We're not going to have kids until we get at least our Masters degree, so these are our babies.
 
Ok sorry I have to be the voice of reason here so my apologies to all you large breed dog lovers.

You need to find homes for the dogs. It is better for them to be in homes with people (think families, kids, people that can give them wide open fenced in space) than to be shuffled around in and out of apartments not to mention it will take lots and lots of stress off of you.

There is a very good reason why apartments do not want large breed dogs living in them and to be totally honest they don't belong there. I know you view them as your children but when you actually have children you'll see there is a clear difference in your heart. If your living situation will not allow you to keep the dogs in an area where they can run and be outside then you should find new homes for them.
 
I've had the dogs for 6 years, and they've been in those environments without incident. Places that allow dog breeds with no weight/breed restrictions exist, so it's not like I have to make a choice. I just have to dig a little deeper, look a little harder, and wait a little longer in a living situation that's pretty good and not at all unbearable. Space is limited where we are, but we're secure for the time being.

The dogs are mine and they stay with me. End of story.
 
Ok then if you're going that route you need to look into house rentals. Good news is you're in the south so it shouldn't be that bad to rent a house. Bad news is you're in the south so you have to be really careful about the neighborhood you pick.

I know this will sound funny but lots of decent and good quality house rentals are now on craigslists. (Yes, feel free to make the hooker connections there with rentals and whatnot.. I know I did.)
 
I don't think you are grasping the concept here. You don't borrow your down payment (that would count against you when applying for a loan). What you borrow is the cost of your home, minus the amount of your down payment. Then you add in earnest money (the amount you come up with to show the sellers that your offer is serious...usually $1000 or so), and closing costs. Honestly, you'll probably need to have $2500-$3000 minimum in cash before you all even start thinking about a house.

I like both of you guys, and think you're decent folk...but you're living pipe dream right now. I can't honestly fathom how you are even thinking about some type of honeymoon (I think 3D mentioned Germany?), even if it's in the distant future. It's obvious you guys are strapped for cash, there's no way in hell you'll be able to afford that type of trip in less than 1 years time. And honestly, unless you get some type of miracle influx of cash, the home is somewhat of a pipe dream too.

1rst things first...GTFO of 3D's parents house, and rent an apt/house (ya, I know having pets can make it a bitch, but you'll find a place if you look hard enough).

Secondly, pay off the fucking debt...it will haunt you.

Third: Once debt is paid, then save for a home (ernest money, closing costs)

4th: Buy home, furnish it...and then, and only then...save for a honeymoon.

The positive in all this, is that a lot of lenders may let you use the Government tax credit as your down payment (you've missed the deadline for the $8000, but are still eligible for the $6500. Take advantage of this BEFORE IT GOES AWAY.

Words of wisdom from da'kid.
 
With the VA, there is no down payment, actually. It's a bit different from regular lending. I'll be job hunting at the first of the year while I wait for the position at the boys home to open. I've got a few places in mind, including one that will pay me over $12/hr, and should be reasonably easy to get regarding my resume and job history. They have a high turnover rate (customer service centers usually do) and have been constantly hiring for five months now. It's also worth the bit of drive that it encompasses.

We'll be renting for a bit, it seems, and we've found a few places that seem like definite "yes" to pets. We had pretty much already decided on that, considering that one of the bills that 3D had just caught up to him. The DoD. We're not sure what it's actually for, but it does show up on his credit report, and they called us a few days ago. At first they were wanting either all of it up front (over 1k, which meant they would leave us practically NOTHING to live on), or 300 per month, which is steep for us at the moment. We got it lowered to 100 a month, which is reasonable considering that is what he paid for student loans until they deferred it until 2012.

Also, as I said in the other thread, the honeymoon isn't something that we're going to go on immediately after we get married. It will more than likely be a while, unless someone gifts us a full honeymoon package, which is highly unlikely. I'm just getting ideas for where we want to go eventually, and what other people think are great places.
 
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