|
Please read
and consider us as individuals with real past hardships. I was unemployed for a
year in 2002; I moved my family from <st1:City><st1:place>Houston</st1:place></st1:City> to Dripping Springs, near <st1:City><st1:place>Austin</st1:place></st1:City>, to make a better life. We have worked
very hard to recover from and repair our credit to truly reflect our current
situation. It is very unfair to be looked at from a cookie cutter type rating
system that doesn't show what you've been through and how far one has strived
to repair and improve credit scores! I've now been employed for over 3 yrs.
with a very stable company; I was promoted quickly to a management position and
have been in this line of business for 20 yrs. We are a two income family with
three kids and we were able to purchase our first home last year! In the
last three years we have opened 4 lines of credit including our mortgage; paid
them all early and more than minimum due to try to improve our credit. Right
now we have a very low Debt to income ratio of 6%. We currently only have 2
appliance credit cards, a school loan and regular utilities and mortgage
payments, both of our vehicles are paid in full. The only recent delinquent
negative credit was a miscommunication with our school loan, I had requested
forbearance back in Feb.'06 through their online website, only to find out a
month ago that it got lost somewhere and they had reported the loan as 60 days
late! I am trying to dispute this and get it corrected; the loan is now in
forbearance just until October 2006 until we can get this repair taken care of.
Because of my unemployment we had a truck repoed, April 2003, after we closed
on our house they re-reported it on our credit as being repoed in April 2005!
We paid on this loan for 3-1/2 yrs. before we had to let it go! I am also
trying to dispute this discrepancy with the bureaus!
Our desperate need for a
loan at this time is to pay for major repairs on our anaerobic septic system,
which has to be inspected and up to code with our county guidlines or we
will get fined and not allowed to use it! The repair cost have been estimated
at 3-4K! Our combined income is 60K and I know we can afford to pay off a loan
up to 150.00 per month; I just don?t have it all at once to pay for these badly
needed repairs! We have pawned all our jewelry, even our wedding rings to try
to cover this. I tried to get a loan at my bank to no avail, can you please
give us a chance to prove our credit worthiness, we will not let you down. This
will also help us to get our credit scores back up to reflect our true current
status and abilities to be in good standing in the credit world! Thank you so
much for taking the time to read all this, I hope I was able to communicate our
true situation and the urgency of getting a loan to take care of our septic
system ASAP!<o:p></o:p> |
