I did what you told me to do, my mother-in-law (retired) contacted her Teacher’s Union bank & we’re about to apply with them. Since our denial in April by Woodlands, we settled one of the derogatory accounts & increased payments on the other account. Our DTI is down from 2% to 1% & we waited until all the credit card/debt pay offs we made cleared & reflected in our credit scores. So, if this loan app is denied, we’ll have 2 attempts on our record, then we’ll be in more trouble. Thank u very much!
