August 29, 2004

House

Well, after much pain and gnashing of teeth, I was able to overturn the decision to decline my mortgage loan. Hooray!

Long long ago, someone made a credit entry for a Kurt Sissert - not even close to my name. But it was enough for one of the credit companies to return two scores for one SSN - a good score (for my real name), and a zero for good old Kurt Sissert. It turns out that the underwriter pulled the wrong number. Really, they're supposed to take a closer look, but they didn't.

The other one still fell afoul of the "low credit activity" thing, because I've only been using debit cards for the last six months. But, after me coming down on my broker and a lot of phone calls, we were able to pull it through.

I sign on Monday, I think, but we went ahead and made a rental agreement, so I spent my first day in the house today. Hooray! Possessions get moved over in a couple of days. Turns out I might be a homeowner by my birthday (Friday) after all!

Geek details: I decided to use Comcast for cable internet, with an Airport for wireless, and Vonage for my phone service. I got that all working today.

Posted by Curt at August 29, 2004 01:31 AM

Comments

Congrats! Home ownership is great, and rest assured you're definitely not the first or last person to get victimized by sloppy credit records. Persistence pays off!

Posted by: Greg at August 29, 2004 01:58 AM

YAY you!

Something they never tell you is the day you sign closing papers for your first house, your signature will never ever be the same again.

Congrats and mazal tov!

:-)

Posted by: Kath at August 29, 2004 11:38 AM

Woo-hoo! Housewarming gifts in work.

Posted by: Joe Medina at August 29, 2004 05:38 PM