Asked by newenglandhomebuyer, Seekonk, MA • Sun Feb 10, 2013
I had this bright idea a few months ago to start a budget. I created reserve accounts where I allocate money for bills each week - then transfer the money over when the bill is due. Well, a few times, I didn't transfer the money over to checking in time - total stupidity on my part - and that caused my overdraft protection to kick in. It shows as such on my previous two bank statements. I've since rectified the problem by adding a grand into checking as a cushion, but the damage is done. Should we even bother applying for a loan right now, or wait until the overdrafts age off my statements? For what it's worth, we have a stellar file otherwise in terms of credit scores, DTI ratio, etc.
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