Credit conversation with client

So just keeping you up dated on the world according to...... and .......

We came home right away after seeing you and put $1000 on that credit card. I remember you talking about that credit card 3 months ago but N..... doesn't and now he was kind of being hard on himself because he didn't realize that this card not being under the limit and him not having a credit score over 600 could make or break us getting the mortgage. He thought that it was just that it "would look better". So he's kind of upset about it because he feels that he has stopped the process for us because there's a couple of houses that we really want to go see but there's no point if we're not going to be able to get the mortgage. And I think he sees that I'm tired of waiting but I'm trying not to make it noticeable because he already thinks that it's he's slowing us down.

And I'm trying not to tell him what to do, I'm trying to "share with him what I would do". But it's hard because he's not as proactive as I am when it comes to this. I would call the bank on Monday and find out that they did receive the payment and try to get some information on how often the report to the credit bureau. N..... doesn't do this kind of stuff. So now he's upset because he feels he's causing us to have to wait longer and I'm upset because I'm very proactive about calling people and figuring these things out and I'm just sitting in the back seat waiting for him to organize this out because I can't do it for him but I don't overly trust that he will do it. He forgets a lot too. I could ask him ten times before he goes out to pick up milk and he'll forget or to call his brother back, he'll forget, but you can ask him who was the MVP in the 1976 World Series and he's know who it was and the stats behind it. He's funny like that. It boggles my mind how he retains certain things and not others haha.

I was watching "'til debt do us part" and saw on there that you can request stuff for credit cards if you've been good, so I called up my credit card company and asked for an increase, they aren't giving increases due to the economic instability (capital one) so I asked them how I go about trading this credit card for maybe a cash back one, or a air miles one, and I would have to apply for a whole new credit card and we don't want to be doing that, and I think that they were seeing that I was a little frustrated, so they offered to waive my annual payment which is $70. So I was quite impressed with that one.

Anyways, N..... and I get a little confused sometimes after we've left because there's a ton of information to process! (This is why I write things down!) So we've paid the $1000 and brought that credit card down and I called and cancelled my Equifax so now what? Is it just a waiting game to see what happens with N..... credit. My realtor emailed me to find out how everything went I didn't know what to tell her. Because I know that you mentioned that as long as we make the mortgage conditional for 30 days or something. See, without it being written down, I forget!

Anyways we'll talk soon. hahah, I just got this total feeling that you're going to turn into my weekly journal about how things are going, how we're feeling, how frustrated one of us is with the other. Hope you don't mind! hahaha