The standard forms every lender uses require that there be no material changes to your credit between approval and closing. A major purchase is a material change. They probably did not tell you not to quit your job or commit a felony either but those would also be material changes. They don't have to disclose the obvious although I'd bet a paycheck that you were disclosed not to take out a major loan or make a major expenditure with cash. I've bought a house recently and I sure was on the standard forms.
DH: Is that so? Well I'll see your paycheck and raise you one. I happen to agree with you that there are standard forms in place that every lender "should" use. So based on one lender that you've recently purchased a house with you know 100% without a doubt that all lenders disclose "not to make purchases within the time of closing" to their clients? I'm going to tell you right now that's false.
Like I said before, if I would've known that this would've been an issue then I wouldn't have done it until after all was said and done. The documentation that I have doesn't reflect that, but then one could argue that as being common knowledge. True, but where was I in the loan process? Loan approved and closing complete. My credit was pulled again after the fact (which doesn't happen with every lender BTW).
My point was to get you to see that you made a bunch of mistakes and should learn from them rather than blaming everyone around you.
Lol, there has to be some misunderstanding here, if the point being enforced is mutually agreed upon does the point need to be further introduced? I can see in one case if the person receiving the point has veered from the path and you as an accountability partner reiterates the fact to ensure they are successful. That would be completely understood. Aside from that, anything else would be a head scratcher don't you think?
Getting to the point - Who says that I blame everyone besides myself? I took responsibility and told the truth about situations that I was involved in. Please check two separate posts before this one. Not sure that I can blame myself for someone taking my check card number and charging it at a gas station though. That's like saying that a woman is partially to blame for being assaulted in a park for being beautiful.
So all this means that I get what you're trying to do and agree with you to a degree. But seriously, need less critical and more positive. I'm here to educate myself and work with like minded, positive individuals, but most importantly move on. DH: the horse needs to be buried man, so when you decide to put the stick down we can lower him down together. Okay?