aceys_h0ney
DIS Veteran
- Joined
- Nov 26, 2008
- Messages
- 1,280
Thanks for the input. I am ok with the larger interest rate, sadly with my credit I am stuck with it for a few more years until some of these items clear off my report. It is the larger deposit I am afraid of. We might be able to swing it but it might be more then we are comfortable doing right now so in that case we may have to pass. A large part of my credit issues are set to be taken off my credit report next year. I have no clue what that will do for my score but I will be happy to see them gone. My issues are things stemming from a bad divorce that are mostly paid but the stink still lingers on my credit report. We have a set plan to pay off DVC quickly after my car is paid off next June so the larger interest does not terrify me.
I did speak to my guide about other issues but asked again about credit. He told me the biggest thing they look at is your income to debt ratio and mine is fairly small. We own our home with no mortgage and have no credit cards just one car payment. So when I explained further he said we sound just fine but I do understand they don't always have the best knowledge in that department. I am waiting for our new contract since the first one was messed up and will mail then in and try not to think about it too much.
I did speak to my guide about other issues but asked again about credit. He told me the biggest thing they look at is your income to debt ratio and mine is fairly small. We own our home with no mortgage and have no credit cards just one car payment. So when I explained further he said we sound just fine but I do understand they don't always have the best knowledge in that department. I am waiting for our new contract since the first one was messed up and will mail then in and try not to think about it too much.
