Jump to content

dm91497

Members
  • Posts

    122
  • Joined

  • Last visited

Profile Fields

  • Location
    Bakersfield, CA

dm91497's Achievements

Impressive 100+ postings

Impressive 100+ postings (5/6)

10

Reputation

  1. Just refi with Charles. He got me a stated income loan which paid off countless accounts and HELOC and all at a very fair rate given my inability to prove some of my income. It sure is going to be nice not to make out so many checks each month. If you have any doubts.... call Charles Thanks Charles No'el
  2. I was told to pay CBSI because they were the current collectors of the debt. So, if I contact the law office who placed the judgment and give a copy of the letter from CBSI showing payment, will they release the judgement? What is the best course to take? tHANKS
  3. I live in California. We use escrow companies. The escrow company paid the $1500 and is reflected on my closing statement. What should I do? Thanks
  4. I had a Wachovia Credit Card: Opened 10/5/95 Last Used 6/7/1999 Written off 11/05/03 Judgement 4/06/2002 Wachovia handed this account over to Pinnacle who did not collect on it. Then Pinnacle handed the account over to CBSI Collection Agency. In 6/2005 I paid $1500 to settle this account with them in order to obtain a mortgage loan. The faxed a letter stating there would be no further recourse. Today, the legal office that filed the judgment stated there has been no payment and the judgment has not been satisfied according to their records. Did CBSI scam me out of the money? Do I still owe the whole judgement? If not, how do I get this judgement released? Time is of the essense as I am purchasing a house and the mortgage company wants the judgement released. Thanks.
  5. I just sent a private message in reply to your question. It should contain the information you need.
  6. We just sold my grandfather's house. We asked $207K for the home. We accepted an offer of $212 with the difference ($5K) applied towards buyers closing costs. Basically, the buyer was able to get into the home for little money since we agreed to the terms. We got our original asking price of $207K and she got to move in with us paying $5K towards her costs. It is a great way to get into a house if someone is willing to work with you and the house appraises high enough to cover the difference in price. I would trust the transaction. Besides, depending on where you live, the escrow agent or lawyer will make sure everything is on the up and up. I would go for it. Just watch the wording on the sales contract.
  7. We just sold my grandfather's house. We asked $207K for the home. We accepted an offer of $212 with the difference ($5K) applied towards buyers closing costs. Basically, the buyer was able to get into the home for little money since we agreed to the terms. We got our original asking price of $207K and she got to move in with us paying $5K towards her costs. It is a great way to get into a house if someone is willing to work with you and the house appraises high enough to cover the difference in price. I would trust the transaction. Besides, depending on where you live, the escrow agent or lawyer will make sure everything is on the up and up. I would go for it. Just watch the wording on the sales contract.
  8. We just sold my grandfather's house. We asked $207K for the home. We accepted an offer of $212 with the difference ($5K) applied towards buyers closing costs. Basically, the buyer was able to get into the home for little money since we agreed to the terms. We got our original asking price of $207K and she got to move in with us paying $5K towards her costs. It is a great way to get into a house if someone is willing to work with you and the house appraises high enough to cover the difference in price. I would trust the transaction. Besides, depending on where you live, the escrow agent or lawyer will make sure everything is on the up and up. I would go for it. Just watch the wording on the sales contract.
  9. most lenders go by your mid-score anyhow. I think you are more than fine. Shafted....you need to just do some research. Figure out which company uses which credit report. For example. My best scores are Experian. I only apply for loans from companies who run Experian. It can be done. With 770 score you could get anything you want.
  10. bakersfield, CA. Juniper pulled TU this week for my application. I was denied with a 715 score. Too many inquiries.
  11. I wouldn't close the account. They do report credit limits so that is beneficial to your scores. Keep the card at zero balance for 6 months or so and call them back. Tell them you haven't been using the card because of the high rate. They will probably lower it again.
  12. I think you should try Patelco. I got the Visa card and two auto refinance at same time. They gave me a rate of 3.9 on the auto's. As for your mortgage reporting. You could say you don't have a housing expense on your application given there is no mortgage being reported. They may assume your home is free and clear. I don't think having a new mortgage report will lower your scores much. Go for Patelco.
  13. I was once at default rate myself on Discover. I called after about two years of on time payments and requested a rate reduction. They gave me 16.00 from 24.99. Then, six months later I called back and got the rate lowered to 9.99. I threatened to close the account and told them I had visa and MC with apr of 8.9% (which I really do). Try that and see what happens.
  14. Hi. Wasn't there somebody on this board that had access to flyers that different lending institutions pass out to dealerships? These flyers had scores required for loan and what rate they would give. Thanks. I thought it was MarvBear....but, I could be wrong. Thanks.
  15. Yeah, I know what your saying wolf. My mom got a mortgage about three months ago and it still has not reported. Today she finally received a payment coupon from the company who bought the mortgage - New Century. It will be interesting to see what the new mortgage does to her credit score. Right now, she is at 710. Too bad she signed a prepayment penalty clause..her score rose 130 points by using the mortgage money to pay off debt. LIfe is a whole lot better for her now. I just have to keep her out of the casino's. BTW Thanks to Charles who really helped her out.
×
×
  • Create New...