My DH and I are sitting with a 15 year balloon mort with an 8.5% int rate.
1) I live with my girlfriend, am not on her lease, pay no rent, and am not sure what home address to give lenders on my application-do I-
Every person I talk to and every site I visit states something different.
(Payday advance via moneygram) BTW, no problem with you naming the company, I just will not comment on any specific lender in this or any other public forum.
The best place to inquire concerning that is in the Credit Forum as that is where the experts tend to reside.
I too, am a big fan of the NOT MINE.. Ya ya.. it not ethical.. by some standards but I dont give a hoot..
czwartek, 31 stycznia 2008
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Because to really make this work, you've got to follow-up with Bank One, depending on the response or non-response, so leave yourself room to hang Bank One with their nose-picking friends.
I've been receiving monthly bills from MCI, even though I don't have MCI service.
To the original creditor, to the new holder or to the collection agency?
(Free cash no employment application) I will continue observing. I took some good will action on my DW's behalf and will soon do the same on my own. I'm anxious to see what comes of either approach !
If they still want to keep them on your report, the next letter they should get is a summons.
Do they have a "you have applied for credit with us within the past 60 days therefore you will be denied rule"?
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I've been receiving monthly bills from MCI, even though I don't have MCI service.
To the original creditor, to the new holder or to the collection agency?
(Free cash no employment application) I will continue observing. I took some good will action on my DW's behalf and will soon do the same on my own. I'm anxious to see what comes of either approach !
If they still want to keep them on your report, the next letter they should get is a summons.
Do they have a "you have applied for credit with us within the past 60 days therefore you will be denied rule"?
If you're looking for a how-to on HTML/XHTML, try one of these sites:
astrive student loans reviews
It still shows Customer Disputes this acccount on my PG and hasn't come off yet.
I just sent in my intent to sue letter to both faxes. The first went to the pg place at 956-8789. EVERYONE get those intents out now and swamp their fax numbers. We do not have to take this. I did not ask for cash yet but just wanted it fixed. IF we all hit them now they will take us seriously or seriously pay out the cash. go go go
And their letter goes further to state they are reporting them as "chargeoff" status with a balance... when IN FACT they even say in the letter that the account was SOLD... which is contradicting that they can't report a balance when it has been sold..
(Astrive student loans reviews) OK the auto loan that he co signed with me is paid on time, I make the payments.. I guess what I am worried about is will this bank come after me because of the other loans he has with them are delinquent. I am not a co-signed on any of the other loans. Someone from the bank called me and said that if he doesn't pay the other loans it could effect me.
At some point when dad settles the suit, he can throw a stipulation in the settlement agreement "and don't put this on my son's report either!" Or, perhaps a better strategy, just make sure it's off his own reports. The CRAs are probably not into taking the time and trouble to make sure that the judgment TL finds a home.
No, you were right. They both came off a few months ago and were both reinserted. I received my reinsertion notice on day 5. The one that remains does not state paid however - and it has been paid.
On EQ, every time your file gets accessed you will get another soft inquiry.
The only thing I faxed was the last letter, but I also sent it crrr along with copies of the dispute results.
I just sent in my intent to sue letter to both faxes. The first went to the pg place at 956-8789. EVERYONE get those intents out now and swamp their fax numbers. We do not have to take this. I did not ask for cash yet but just wanted it fixed. IF we all hit them now they will take us seriously or seriously pay out the cash. go go go
And their letter goes further to state they are reporting them as "chargeoff" status with a balance... when IN FACT they even say in the letter that the account was SOLD... which is contradicting that they can't report a balance when it has been sold..
(Astrive student loans reviews) OK the auto loan that he co signed with me is paid on time, I make the payments.. I guess what I am worried about is will this bank come after me because of the other loans he has with them are delinquent. I am not a co-signed on any of the other loans. Someone from the bank called me and said that if he doesn't pay the other loans it could effect me.
At some point when dad settles the suit, he can throw a stipulation in the settlement agreement "and don't put this on my son's report either!" Or, perhaps a better strategy, just make sure it's off his own reports. The CRAs are probably not into taking the time and trouble to make sure that the judgment TL finds a home.
No, you were right. They both came off a few months ago and were both reinserted. I received my reinsertion notice on day 5. The one that remains does not state paid however - and it has been paid.
On EQ, every time your file gets accessed you will get another soft inquiry.
The only thing I faxed was the last letter, but I also sent it crrr along with copies of the dispute results.
poor cfedit personal loans
I do not plan to use your form as it does not contain the space needed to file a complete dispute. Also, like many others, I do not print as well as I can type. This saves me time and you confusion in trying to read it. If you worried as much about ensuring correct information, you would not need to worry about people writing their dispute.
I thought I had credit problems... at least my stuff didn't go bad until after I actually opened the accounts!
Denied at Chase because they state they do not loan to anyone with BK listed even if discharged.
(Poor cfedit personal loans) As pointed out above, some of your dispute resolutions may also have benefit to your Innovis file.
I thought I had credit problems... at least my stuff didn't go bad until after I actually opened the accounts!
Denied at Chase because they state they do not loan to anyone with BK listed even if discharged.
(Poor cfedit personal loans) As pointed out above, some of your dispute resolutions may also have benefit to your Innovis file.
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Takes big needle, numbs wifes breast,,, Takes bigger needle and drains fluid.
Make sure those charge-offs that aren't showing as included aren't reporting any amount due or past due. Dance if someone verifies a balance reporting on a TL that you had discharged, that's a deletion based on a huge violation.
EQ sent me an update on my credit report saying they had deleted an inq.
(Cash no teletrack) Due to the rapid growth of Creditboards, we are expanding our moderator coverage.
20.06. DISPUTE PROCEDURE. a statement that the reinvestigation is complete;
A borrower wrongly saddled with a blemished credit report could be forced to pay a mortgage nearly 3 percentage points higher than a borrower with a clean credit record.
Make sure those charge-offs that aren't showing as included aren't reporting any amount due or past due. Dance if someone verifies a balance reporting on a TL that you had discharged, that's a deletion based on a huge violation.
EQ sent me an update on my credit report saying they had deleted an inq.
(Cash no teletrack) Due to the rapid growth of Creditboards, we are expanding our moderator coverage.
20.06. DISPUTE PROCEDURE. a statement that the reinvestigation is complete;
A borrower wrongly saddled with a blemished credit report could be forced to pay a mortgage nearly 3 percentage points higher than a borrower with a clean credit record.
owner of mte financial
Fleet is in control of this...it is showing up on all three of mines.
I was mostly kidding. I have quite a few on there as it is. I am hopingfor the exxon, I just got the Macy's this morning and I am doing the BofA secured. Then I will chill for a year or so while I fight with CA's and EX.
I don't expect any increae to be that drastic. However, I thought it would help me out as far as the CL goes if the AU account was showing a much higher limit. I would hate to be approved for another card, saying congratulations you're approved for $2,500.
(Owner of mte financial) my insurance company is geico I have used them for about 4 years now is there a way to lower my rates if my CS has inceased?
Solicitation of any kind, through the forums, through private messaging, or through the board's e-mail features will not be tolerated.
I was mostly kidding. I have quite a few on there as it is. I am hopingfor the exxon, I just got the Macy's this morning and I am doing the BofA secured. Then I will chill for a year or so while I fight with CA's and EX.
I don't expect any increae to be that drastic. However, I thought it would help me out as far as the CL goes if the AU account was showing a much higher limit. I would hate to be approved for another card, saying congratulations you're approved for $2,500.
(Owner of mte financial) my insurance company is geico I have used them for about 4 years now is there a way to lower my rates if my CS has inceased?
Solicitation of any kind, through the forums, through private messaging, or through the board's e-mail features will not be tolerated.
usurious moneytree washington
All of the accounts that the addresses could have come from are still on the account.
In order to be able to give you more specific advice, I would need to get more information.
Acutally it was my attorney's idea for me to file individually since my husband owns the house we live in - he bought it long before we were married and my name has never been on the deed. We have a couple of joint cc accounts which are current , I have totally no income of my own. My lawyer thinks there will be no problem, so I'm okay with it for now, every now and then I get a chill that my Ch 7 might get dismissed.
(Usurious moneytree washington) Could the trust properties be considered security, or no, because I don't have full ownership for another 5.5 years?
Have you called the mortgage company and asked when they will report and/or update?
Again, this letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, not a reinvestigation request.
In order to be able to give you more specific advice, I would need to get more information.
Acutally it was my attorney's idea for me to file individually since my husband owns the house we live in - he bought it long before we were married and my name has never been on the deed. We have a couple of joint cc accounts which are current , I have totally no income of my own. My lawyer thinks there will be no problem, so I'm okay with it for now, every now and then I get a chill that my Ch 7 might get dismissed.
(Usurious moneytree washington) Could the trust properties be considered security, or no, because I don't have full ownership for another 5.5 years?
Have you called the mortgage company and asked when they will report and/or update?
Again, this letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, not a reinvestigation request.
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I am going to wait until Monday and if it is not off of there then I am going to have to take it to next level.
So heres the deal..how can we turn that heloc into a fixed second? I would suggest going back to the loan guy that put you in the loan and ask what can be done to do it.....and he SHOULD do it for cost......if he Doesnt do it for cost...gimme a call and I will do it for ya......over and over the Heloc is used and it really hurts the borrower. Gimme a call sometime if you need some help on this. On the flip side though WHAT A GREAT HOME eh?
I was wondering the same thing, I got the "Previously Investigated" response but 3 days later got the frivolous letter in the mail saying they believe my latest request was frivolous. This above letter really doesn't mention anything about the frivolous disputes.
(Pay day cash loans links) After all the social security # was never intended for any purpose but a payroll deduction record.
In the Bahamas its not legal....so yes we are denied basic rights.a hetrosexual can go places and hold their partners hand with no problem we have to be careful ...we may end up in jail/ or dead.
So heres the deal..how can we turn that heloc into a fixed second? I would suggest going back to the loan guy that put you in the loan and ask what can be done to do it.....and he SHOULD do it for cost......if he Doesnt do it for cost...gimme a call and I will do it for ya......over and over the Heloc is used and it really hurts the borrower. Gimme a call sometime if you need some help on this. On the flip side though WHAT A GREAT HOME eh?
I was wondering the same thing, I got the "Previously Investigated" response but 3 days later got the frivolous letter in the mail saying they believe my latest request was frivolous. This above letter really doesn't mention anything about the frivolous disputes.
(Pay day cash loans links) After all the social security # was never intended for any purpose but a payroll deduction record.
In the Bahamas its not legal....so yes we are denied basic rights.a hetrosexual can go places and hold their partners hand with no problem we have to be careful ...we may end up in jail/ or dead.
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I was in the car business for 13 years. in about every job at a dealership you can think of on the sales side except detail. Ive also worked at the high volumn high pressure stores that that guy writes about in his article. alot of the article is realistic but some is just plain stupid. as far as the one price stores if you want to get into the business what he didnt say is you can go broke there. I enjoyed my time in the business and I dont regret leaving it for the most part. I did love the pressure both the pressure my boss put on me and the pressure I would put on my employees as well as the customers.
Drop the interest rate to 6.9 percent and the monthly payment dips to $197.54 and the interest to $1,853.05, a savings of $573.09.
Having said that, people with your scores have gotten prime cards with a good history of age, etc. Some prime cards may require further verification. All of my cards are prime, and the last one I acquired one year ago required income verification, etc. after seeing the credit limits on the other cards, etc. despite my FICOs being in the 700's. It had something to do with amount of credit lines in proportion to income, etc. and percentage of utilization. Since that time, I have worked continually on reducing the utilization which resulted from remodeling, medical expenses, etc.
(Paybycash hack credits) One of my friends lived in Hawaii back in 87. He bought a car while over there but a few months later he was transferred back to South Carolina. They wouldn't let him bring the car with him for some reason. He turned the car back in. He never paid the deficiency balance. Well, since then the TL fell off his report due to age. But a couple of years ago it reappeared with a new account number but still listing the date opened as 1987.
Drop the interest rate to 6.9 percent and the monthly payment dips to $197.54 and the interest to $1,853.05, a savings of $573.09.
Having said that, people with your scores have gotten prime cards with a good history of age, etc. Some prime cards may require further verification. All of my cards are prime, and the last one I acquired one year ago required income verification, etc. after seeing the credit limits on the other cards, etc. despite my FICOs being in the 700's. It had something to do with amount of credit lines in proportion to income, etc. and percentage of utilization. Since that time, I have worked continually on reducing the utilization which resulted from remodeling, medical expenses, etc.
(Paybycash hack credits) One of my friends lived in Hawaii back in 87. He bought a car while over there but a few months later he was transferred back to South Carolina. They wouldn't let him bring the car with him for some reason. He turned the car back in. He never paid the deficiency balance. Well, since then the TL fell off his report due to age. But a couple of years ago it reappeared with a new account number but still listing the date opened as 1987.
bad credit loans for canadians
if i'm crazy let me know but i had lengthy exchange here about it yesterday. and that was the conclusion.
Any thoughts? I could go Federal I suppose.
Also, I need to bring a list of my living expenses. Rent, auto, insurances, are a fixed amount but I'm not sure how much to claim for items like groceries, clothing, car maintenace, etc. I don't want to claim too low an amount. Can I list my cat's vet expenses? Can I list cable tv? monthly internet fee? Can I keep my mobile phone? Anything I'm not thinkin of?
(Bad credit loans for canadians) I have followed the bankruptcy boards for several weeks, but this one is new to me and I simply decided tonight that I had to start taking some action and not be so intimidated. I'm sorry if this is a really basic question, but would sincerely appreciate some help in dealing with this problem.
They own the http://www.myfico.com site.
If your wife goes first on the loan application, you probably will not have any trouble. I would recommend you go thru the manufacturers captive finance source at the dealership.
fire off that second letter today...and get nasty with them
Any thoughts? I could go Federal I suppose.
Also, I need to bring a list of my living expenses. Rent, auto, insurances, are a fixed amount but I'm not sure how much to claim for items like groceries, clothing, car maintenace, etc. I don't want to claim too low an amount. Can I list my cat's vet expenses? Can I list cable tv? monthly internet fee? Can I keep my mobile phone? Anything I'm not thinkin of?
(Bad credit loans for canadians) I have followed the bankruptcy boards for several weeks, but this one is new to me and I simply decided tonight that I had to start taking some action and not be so intimidated. I'm sorry if this is a really basic question, but would sincerely appreciate some help in dealing with this problem.
They own the http://www.myfico.com site.
If your wife goes first on the loan application, you probably will not have any trouble. I would recommend you go thru the manufacturers captive finance source at the dealership.
fire off that second letter today...and get nasty with them
loan until payday with cirrus
I agree re: waiting the 30 days for investigation completion. Then, I'll slam them for failure to verify, if that's the case. Just pisses me off but I'll get over it.
As I mentioned to you before, I was more than happy to fill this out with a consumer. Still am. However, as you know, borrowers tend to skip a few key points. If something were not to pan out I alway reserve the right to change a quote. How many borrowers did you have that told you they had perfect credit only to find out they do not.
Mortgages are installment loans.
(Loan until payday with cirrus) But before you start shopping for a better loan, make sure your original loan is a simple interest loan. Most, but not all, auto loans are simple interest loans.
National Loan, installment 2 accounts pd. satisfactorily.
As I mentioned to you before, I was more than happy to fill this out with a consumer. Still am. However, as you know, borrowers tend to skip a few key points. If something were not to pan out I alway reserve the right to change a quote. How many borrowers did you have that told you they had perfect credit only to find out they do not.
Mortgages are installment loans.
(Loan until payday with cirrus) But before you start shopping for a better loan, make sure your original loan is a simple interest loan. Most, but not all, auto loans are simple interest loans.
National Loan, installment 2 accounts pd. satisfactorily.
has anyone got a loan with yes loans
Our debts are about 300/month, which includes student loans and credit cards only. We only pay rent right now and cable, electric, internet, auto insurance, all necessities. Other than that we have shed all debts and have maybe a total of 5k between the two of us.
Sorry for the pottymouth...I really hate them.
If they got the judgement on the 29th then 7 days have already passed and I can not go down there tomarrow b/c of work. I have not been officially notified by anyone of this judgement I only found out through a solicitation for BK services that had the info on it. So I called the court to find out something about it and they told me it was done on july 29. I am really getting upset about this cause I can't go there until Tuesday and I want info.
(Has anyone got a loan with yes loans) Anyone see any problems with this?
Problem is that account was originally Providian which Cap 1 bought but never notified me that they bought the account. Therefore, they never even gave me a chance to dispute their erroneous information pertaining to the charge off balance or DOLA. I'm wondering if I should sue Cap 1 and the CRA.
TY Breeze, I appreciate your straight up comments.
Sorry for the pottymouth...I really hate them.
If they got the judgement on the 29th then 7 days have already passed and I can not go down there tomarrow b/c of work. I have not been officially notified by anyone of this judgement I only found out through a solicitation for BK services that had the info on it. So I called the court to find out something about it and they told me it was done on july 29. I am really getting upset about this cause I can't go there until Tuesday and I want info.
(Has anyone got a loan with yes loans) Anyone see any problems with this?
Problem is that account was originally Providian which Cap 1 bought but never notified me that they bought the account. Therefore, they never even gave me a chance to dispute their erroneous information pertaining to the charge off balance or DOLA. I'm wondering if I should sue Cap 1 and the CRA.
TY Breeze, I appreciate your straight up comments.
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That's good information, HealmyCredit, and state specific too!!!!!!!
They told the manager verbally that they had my signature on a release form. She said fine, just fax it over. All they managed to fax over was simply the "request for confirmation", there was no written authorization from me faxed with it.
As to whether he can sue for CA's new reporting to a different CRA ... the answer is yes. The only things that are precluded are things that could have been included in the first case. If your neighbor punches and kicks you, and you sue for the punch but not the kick, you' can't go back and sue for the kick. But if the case has already gone to the judge and he hits you with a shovel, that's a new case you can sue on.
(Quickest online approval for a loan nz) So now I'll have to pay 10.9 BT's and 0% on purchases thru Nov 04, unless of course I get my rate jacked.
DH and I just moved into our house on Saturday and already I am ready to get started on jazzin' things up. Our back yard looks like a beach. I hope we can get some kind of grass to grow. I want to extend the concrete outside to make a bigger patio. I found a swing set the I want to put in for my boys. It's the wooden kind i also want to put in a patio set/swing and plant a few trees. But first we have to level off the back yard. The last owners had a tree removed and now there is a huge hole in the yard. :?
It's for a piece of equipment.
About four years ago I experienced a bank snafu over the course of a few months which resulted in a late payment on a mortgage. Since then I have refinanced twice, so am with a different mortgage servicer , and the others are BOGUS. It would be really nice if ALL the lates disappeared.
They told the manager verbally that they had my signature on a release form. She said fine, just fax it over. All they managed to fax over was simply the "request for confirmation", there was no written authorization from me faxed with it.
As to whether he can sue for CA's new reporting to a different CRA ... the answer is yes. The only things that are precluded are things that could have been included in the first case. If your neighbor punches and kicks you, and you sue for the punch but not the kick, you' can't go back and sue for the kick. But if the case has already gone to the judge and he hits you with a shovel, that's a new case you can sue on.
(Quickest online approval for a loan nz) So now I'll have to pay 10.9 BT's and 0% on purchases thru Nov 04, unless of course I get my rate jacked.
DH and I just moved into our house on Saturday and already I am ready to get started on jazzin' things up. Our back yard looks like a beach. I hope we can get some kind of grass to grow. I want to extend the concrete outside to make a bigger patio. I found a swing set the I want to put in for my boys. It's the wooden kind i also want to put in a patio set/swing and plant a few trees. But first we have to level off the back yard. The last owners had a tree removed and now there is a huge hole in the yard. :?
It's for a piece of equipment.
About four years ago I experienced a bank snafu over the course of a few months which resulted in a late payment on a mortgage. Since then I have refinanced twice, so am with a different mortgage servicer , and the others are BOGUS. It would be really nice if ALL the lates disappeared.
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