Tarkblog

Surely by now you’ve heard that you can get a free copy of your credit report at AnnualCreditReport.com.

I’ve done it twice in the past year and a half or so. Nothing that I didn’t already know popped up.

However, I never did find out my credit (FICO) score. Mostly because you have to pay for it. And I’m a cheapskate.

Now, I get plenty of 0% credit card offers, so I’m figuring it must be pretty good. WellsFargo has no problem lending us a lot of money on top of the mortgage I already have. So they must have some faith in it.

But what I heard tonight dropped my jaw.

I was talking with Ryan@WellsFargo who is handling our new mortgage, locking in rates, and getting some details about the mortgage. I was trying to find out about a timeline and stuff for closing, and he said all we’re waiting on is an appraisal (this is exactly one day after signing a purchase agreement). He said we may also have to provide a written letter stating our intent to sell the first home, which is no problem.

However, I asked him about paperwork he would need from me to finish authorization. Previously, I had to supply copies of bank statements, W2s, savings accounts, retirements accounts, etc. Ryan told me that wasn’t needed. Our credit scores were high enough, they don’t need verification of our information.

Basically, they were going to order the appraisal and as soon as it was done we’d be able to schedule closing. My guess is it will happen before the home is inspected, which is a week from today.

Color me stoked.

This entry was posted on Thursday, March 23rd, 2006 at 6:15 pm and is filed under Mind, Random Thoughts. You can follow any responses to this entry through the RSS 2.0 feed. Both comments and pings are currently closed.