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Response to Justice wanted (Reply #2)

Mon May 7, 2012, 03:43 PM

9. I was talking to a mortgage guy

he told me that they are not supposed to affect your score, but if your score id "sketchy" or "on the edge" it may very well affect. Just like everything else, the less money you have, the more you have to pay. So I start out with an expectation that my interest rate will be higher and on top of that my credit score is affected so it goes higher. My wife tried to check on refinancing the car online. Her computer or something was wrong and so it got hung up. She called the bank and they said that they would just deny it and toi run it again right then. Then it turns out that we have 2 credit dings and the bank says that the second time it went through they had to deny it because the other was still pending.

So if you try to do what you can to downsize and lower your expenses you are just SOL. Its called capitalism - at least that's the way capitalism works in the good ole' USA.

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