My girlfriend Breanna and I are looking into buying our first home at the moment. I don't actually know if it will work out loan wise, but it's worth a shot. Did you know that if you are self employed you have to prove consistent income for at least two years through tax statements? I sure didn't. I guess taxes are good for something after all.
The first step is the banker running my credit report. Then this doozey popped up. One glaring error. One State Farm Bank payment - the loan on my car. Which, by the way, is sitting in my garage dead because the mechanic couldn't fix it and I haven't done anything about it yet.
Here's the brief cliffs:
- Last January went to pay the bill
- State Farm server was down and I thought "I'll return later"
- I thought I paid it because I remembered going to the site a few days prior, filling out all my info to log in and pay the bill. But I forgot the server was down.
- I've paid 37/38 car payments and 100% other credit bills just fine.
ONE GLARING ERROR WHICH WAS AN HONEST MISTAKE
This mistake, however, drops me into a lower tier of credit score (according to the banker) which makes me not have access to a higher loan amount. I called the State Farm Bank toll free help line and they just passed me off to someone else to help me with it, but their offices are closed until tomorrow.
Can I use my one time on this?
Damn that sucks, I always pay my bills late out of laziness.
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