hollythenurse1

2 Contributions 21 People Helped

Member Since: March 2012

Most Helpful Contribution

What does my credit score need to be to purchase a home?

Aug 04, 2016
seeking mortgage for my rental home
Helpful to 21 out of 29 people

Renting same house for 4 years, owner wants to sell it to me for HALF its value. (Actual value, not assumed value:)
I have a 665 credit score (lowest of all 3), NO monthly payments of ANY kind (no car loans, zippo, nothing). I paid off my student loans in full almost 2 years ago but was default numerous times due to a brutal assault which left me paralyzed and on social security. My 26yo adult, autistic daughter resides with me and gets SSI.....our total combined income is around $2600 a month. Because I was approved within 2 weeks of soc security application I never received any back pay or lump sum (although I did lose my life savings recovering).

Anyway, I'm trying to build up my credit after student loan fiasco.
I only have one 'account' which is a credit card with a $600 month limit. I've paid it in full & on time every month for 17 months

Is it even possible to pull this off?

Oh, I only have $2500 for the payment.....

Will prior rental history/payments mean anything.... should I just let this go until Im in a better situation? (Landlord is selling no matter what)....

BTW, mortgage will be for $38,000.... total

Activity (2 Total Contributions)

What does my credit score need to be to purchase a home?

Aug 04, 2016
seeking mortgage for my rental home
Helpful to 21 out of 29 people

Renting same house for 4 years, owner wants to sell it to me for HALF its value. (Actual value, not assumed value:)
I have a 665 credit score (lowest of all 3), NO monthly payments of ANY kind (no car loans, zippo, nothing). I paid off my student loans in full almost 2 years ago but was default numerous times due to a brutal assault which left me paralyzed and on social security. My 26yo adult, autistic daughter resides with me and gets SSI.....our total combined income is around $2600 a month. Because I was approved within 2 weeks of soc security application I never received any back pay or lump sum (although I did lose my life savings recovering).

Anyway, I'm trying to build up my credit after student loan fiasco.
I only have one 'account' which is a credit card with a $600 month limit. I've paid it in full & on time every month for 17 months

Is it even possible to pull this off?

Oh, I only have $2500 for the payment.....

Will prior rental history/payments mean anything.... should I just let this go until Im in a better situation? (Landlord is selling no matter what)....

BTW, mortgage will be for $38,000.... total

Disputed several bogus accounts which were subsequently removed

Jan 28, 2016
Pulled reports

They're exactly the same as credit karma. I've complained & tried everything humanly possible to fix this.... and nothing.