Your Day

The Batlord · 11-12-2019, 10:36 AM

Quote:

Originally Posted by Chula Vista

After the first kid was born Linda quit work because we didn't want someone else watching our kid grow up via day-care.
The company I worked for back then offered up as much OT as you wanted in my dept.
Worked Mon-Fri 11 hours a day and 5 more on Saturday. Then I had a part time job the rest of the weekend as a short order cook.

72 hours a week for about a year until the OT started drying up.

What were you saying again?

You made guitar pedals, who gives a ****?

YorkeDaddy · 11-12-2019, 11:15 AM

We've been trying to buy a house and so far its been a ****ing nightmare

My wife changed her last name after we got married, and apparently that has caused huge issues when it comes to pulling her credit, and obviously we need that to secure pre-approval for the loan amounts that we want. I don't really understand why there's a problem, because I thought that was simply tied to your social security number and DOB, but our lender only pulls an error from all three major credit bureaus regardless. So we're trying to submit documentation to the credit bureaus about the name change, but there are either technical problems or we have to mail it to them which they estimate will take 6-8 weeks

That wouldn't be that big of a deal except we want to have the house purchased within a month or so. Our apartment lease ends in late January, and I am really ****ing tired of living in that apartment so we're kind of on a clock here.

I genuinely don't know if it will get sorted in time. First world problems overall but it's definitely stressful and the issues don't even make sense.

Moral of the story for the ladies: if you want to change your name after getting married, wait to do it until you've sorted out all of your other major upcoming purchases

The Batlord · 11-12-2019, 11:22 AM

That's what she gets for capitulating to the patriarchy.

YorkeDaddy · 11-12-2019, 11:24 AM

Quote:

Originally Posted by The Batlord

That's what she gets for capitulating to the patriarchy.

lol no doubt

I didn't push her into the decision in any way, for whatever that's worth. Keeping her last name would have been fine with me.

**Frownland** · 11-12-2019, 11:25 AM

Thank the PATRIOT Act. If the debts on your credit report are tied to your maiden name and your current name isn't listed on the report as an alias then lenders can't give you a loan because you're clearly a terrorist hiding their identity. It's arduous but I'd also say that you're better off signing another lease instead of rushing into it.

The Batlord · 11-12-2019, 11:28 AM

Quote:

Originally Posted by YorkeDaddy

lol no doubt

I didn't push her into the decision in any way, for whatever that's worth. Keeping her last name would have been fine with me.

You should have been the one to change your last name. She could be cucking you and all your kids would have the wrong name.

YorkeDaddy · 11-12-2019, 11:31 AM

Quote:

Originally Posted by Frownland

Thank the PATRIOT Act. If the debts on your credit report are tied to your maiden name and your current name isn't listed on the report as an alias then lenders can't give you a loan because you're clearly a terrorist hiding their identity. It's arduous but I'd also say that you're better off signing another lease instead of rushing into it.

I think that's where we're leaning. I knew there would be some aspects that are a pain in the ass but overall I thought the home buying process would be fun...instead it has been miserable and put a lot of unnecessary stress on our lives for multiple weeks now.

On the phone with Equifax or whatever because we can't upload a PDF to their system. We get an error saying it exceeds the maximum filesize of 5 MB. The PDF was only a few KB

Guy on the phone: "well...KB are bigger than MB"

Bitch I'm a ****ing network engineer and you are egregiously wrong

Everyone everywhere is incompetent at nearly every step of this process so far. If we had another year to better prepare everything and save more money it would all go a lot smoother. We were just really looking forward to the freedom and financial advantages of owning a house. Just gotta get over the instant gratification thing I guess.

**Frownland** · 11-12-2019, 11:36 AM

Gov and finance sites suck ass. Compress it, rename it, do it in a different browser (these places are so slow to change that Internet Explorer will probably work best. I'm not kidding), which I'm sure you've already tried.

Chula Vista · 11-12-2019, 11:41 AM

Quote:

Originally Posted by The Batlord

You made guitar pedals.

What?

Trollheart · 11-12-2019, 11:59 AM

Quote:

Originally Posted by Frownland

you're clearly a terrorist hiding their identity. .

Personal attack! Ban this guy!

11-12-2019, 11:25 AM	#65955 (permalink)
Frownland SOPHIE FOREVER Join Date: Aug 2011 Location: East of the Southern North American West Posts: 35,548	Thank the PATRIOT Act. If the debts on your credit report are tied to your maiden name and your current name isn't listed on the report as an alias then lenders can't give you a loan because you're clearly a terrorist hiding their identity. It's arduous but I'd also say that you're better off signing another lease instead of rushing into it. __________________ Studies show that when a given norm is changed in the face of the unchanging, the remaining contradictions will parallel the truth. d e a f b o x

11-12-2019, 11:36 AM	#65958 (permalink)
Frownland SOPHIE FOREVER Join Date: Aug 2011 Location: East of the Southern North American West Posts: 35,548	Gov and finance sites suck ass. Compress it, rename it, do it in a different browser (these places are so slow to change that Internet Explorer will probably work best. I'm not kidding), which I'm sure you've already tried. __________________ Studies show that when a given norm is changed in the face of the unchanging, the remaining contradictions will parallel the truth. d e a f b o x