The meeting at the credit union went ok. We got a good idea what they would most likely give us for a loan. However, we decided not to do a pre-approval today, because they only last for 60 days at our credit union and we're definitely not moving that quickly. The mortgage lender said that if we had to have our credit report pulled multiple times to get multiple pre-approvals in a year, it would hurt our credit scores. Is there a good way to keep track of my credit score that doesn't actually hurt that score?
My problem with red lipstick is finding one that doesn't turn hot pink or bright orange on me as it starts to fade. I have yet to find my one true red, although mixing a true brown with a pinkish red did give me my wedding lipstick color, which was very close to a true red.
Oh! Let me tell you about my shallow moment of glee from last night: Neil Gaiman told me he liked the pink streaks in my hair, and said they were very fetching.
sj,
you likely won't need to keep track of your credit score if you know it now. unless you take out new credit lines, or have late payments, or acquire substantial new debt, your credit score will probably remain about the same in the next 12 months.
The big thing is to not acquire new debt between now and when you want to buy a house. And of course remain current on your payments.
you likely won't need to keep track of your credit score if you know it now. unless you take out new credit lines, or have late payments, or acquire substantial new debt, your credit score will probably remain about the same in the next 12 months.
I don't know it now. I was wondering if there was a way to check on it that won't lower the score in the process.
sj, you can order your credit score at any time and it won't affect it at all.
what Pix said.
[link]
this is where you can pull your free credit report from each of the 3 agencies every year. I would try to pull one from each place every 4 months as my own self-monitoring practice.
Usually when you pull one, you can pay $XX to have a credit score added.
Thanks, Pix and le nubian. I'll do that.
What the others said about adding new debt. No new debt means no changes for that. But your score could still go up, because as old negative stuff drops off the score will improve. So depending on what kind of stuff you've got out there, it really can only get better.
I was wondering about this the other day--does good old stuff also fall off? For example, I paid off my car loan about seven years ago now--will that be falling off my report? (It's a bit moot, as I now have a mortgage, but still)
