I use Trans Union and Experian and I'll share my thoughts.Life gets messy and we can see it in the CR reports.Fico is interesting but is not as they say 'a leading indicator', it trails reality.Prior settlements, BKs and write-offs, 2-3 yrs back, ignore'm What happened prior  years may establish concerns, but to me the 30,60,90 days  past due are my primary focus; this is the applicants 'current life' - - how much of it do I want?

The new drywall had paint that is no longer a uniform color or texture, but rather consists of a mixture of crayon drawings, dried food stuffs and trails of sticky juice splattered on the walls.  

Verbal agreements are legally binding, but you'll need a paper trail (payments/receipts) for proof.

Leaving a title trail of QCDs as you transfer to the LLC defeats that purpose.  

But more importantly, we like to see a trailing 3 year history of 9% natural appreciation per year.

Happy trails

The flip side is that it is boarded by other single family owners as well as a city owned walking trail.

An intermediary with integrity will demand an accounting and paper trail that will sustain an audit.  

I haven't gotten a exact answer so far, but was told that I need to have a paper trail of 2 months time, showing that I have saved in my bank account (   6 months worth of house payments ) So, since I have 1 and half months still to go, before I hit the 2 month mark  ( as I've been putting money into an account ), I still haven't gotten an exact answer , as to how much house I will be able to qualify for, and in turn, what that amount of house will equate to, in terms of my monthly House payment ( PITI )So here is my current financial status/stats, can someone please give me an estimate of what I'm likely to qualify for ( $100,000 , $90,000 , $80,000 , $70,000 ) ?

It doesn't sound very hard, just drill holes in your basement floor around the mud trails and around 12" apart and then pump the Termindor in the holes, then seal off the holes.