Friday, November 12, 2010

Loans, jobs, cars, and labor

It's been a busy last couple of days!

Wednesday hubby and I went back to the bank to see where we were at with our credit and getting pre-approved for a home loan.

Well, we're close - VERY close.

If it weren't for stupid Chase we would have gotten it and been signing paperwork for a home-loan on Wednesday ><

We figured out that the problem was that on my credit report, Chase was correctly reporting the balance each month, but on hubby's they hadn't reported it since January so it still showed him with a balance of like $1300 which is NOT what the balance is. So basically, Chase shows up for him, but isn't correctly giving him credit like it is for me, which makes all the difference in the world as with the correct balance on it, hubby's score is just over the 620 that we need it to be to get the loan.

Here's what happened:
I opened the card about a year ago when I started Mary Kay to purchase my inventory and hubby and I had discussed putting him on the card as well so he would have some revolving credit as the bank lady had suggested we do for hubby as he had no revolving credit. Well, we went back to the bank 3-4 months later and met with a guy that time as we couldn't remember the lady's name and couldn't find her card (I found it after the fact) and he said that because the card was so new, it was hurting hubby's credit a lot and that it would be best to take him off that. So I called Chase and requested he be removed. Then we went in this past September and met with the original lady again and it showed that hubby was still on the Chase card, but since it had been almost year, the balance was a lot lower and counts as revolving credit it was actually helping his score - we figured the girl I talked to at Chase was just an airhead and didn't actually take him off when I requested it, but we decided it's working in our favor now so whatever.

So they took his name off the Chase card but reported the $1300 balance that was on it last January when they took him off to the credit bureau and haven't reported any activity in his name since!

Our bank lady said that since it's already under his credit, adding him back on won't hurt his score at this point as all it will do will report him monthly along with me with the updated balance and will help his score.

So I called Chase as soon as I got home and explained it them - they confirmed hubby is not on the card/account and said we could dispute it to get it completely off his credit, but instead I told them just to add him back onto it and they did. They said "big" changes to the account like that would report quarterly, which won't be til January, however it is possible it'll start reporting for him on this cycle.

Regardless, we're just going to wait to go back in in January - hubby's swamped with work in December so we wouldn't even have time to house hunt together.

Hopefully the next time we go in, all will be good and we'll be signing paperwork!

In other news, The Children's Place called me back on Wednesday - I start Saturday morning, just to go in and do paperwork and that sort of stuff you do on your first day. I'm pretty excited though as I'm looking forward to having something to do and somewhere to be!

Also, Progressive called us on Wednesday morning to inform us that our car was ready to be picked up and that the rental needed to be returned by 6pm Thursday otherwise we'd have to pay $30 for each additional day.

A little annoyed, as it was a bit last minute and nearly a week earlier than expected, but we were able to figure something out and I drove the 300miles down to St. Louis yesterday with my mom to keep me awake and help with driving on the way back (it's a 4-5hr drive one day, which is A LOT of driving for a preggo lady to do in one day!). I needed to be back in town just after 6pm too as hubby and I had our childbirthing class at 630pm too so we had to leave by 8am to allow enough time. We did it though and the car looks pretty good!

And as mentioned, we had our 2nd childbirthing class last night.

This portion of the class consisted mainly of going over the different stages of labor. We got to watch several birthing videos - hubby admitted, that's something he probably could have done without ever seeing, as he's not planning on standing near that end of me when Jay pops out, lol...

I don't want to say I'm scared, but ouch! That's going to hurt - I'm not really looking forward to that part!

It was pretty informative though as they explained some more about contractions and that until they're a minute long, 3-5 minutes apart and last like that for at least an hour then we don't really need to rush to the hospital yet and can work on distracting ourselves at home... unless of course my water breaks, then they want us to come in right away.

I'm still not sure about having an epidural vs. natural - I guess I'm leaning more towards natural, although it might hurt more, but yeah... still not decided which is okay as I should have a good 2-3 months still til it's time. We're going to be talking/learning more about epidurals and all that stuff next week.

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