melisadawn

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About melisadawn

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    ohio
  1. I just put it in dispute. My Fico TU is 719 EQ 654 Do not know experian credit score. I had to send letter of intent to GMAC. I that letter I did tell them that father was in the nursing home and he will not be able to keep up the payments. Told them I was trying to assume the loan to avoid short sale and/or foreclosure. My father signed. I also told them I had certified appraisal and it is appraised at less then he owes. When we filled app out I did list husband as co-borrower. I guess if it does not go well then it was not meant to be. GMAC received app 8-23 but have not pulled credit yet.
  2. I can provide any other info you need. I also have to be careful of how it is done because of medicaid.
  3. The loan is assumable. I have filled out all the paperwork. This is what I have found out so far... 1% for down payment + the title office fees. The interest rate stays the same as my father had. As far as buying it...It will not qualify for FHA. I took an appraiser in there and she let me know. It does need work. The low down is my father is in nursing home and trying to get medicaid. The house is really not an asset according to appraisal and what he owes. Not a big difference though. We do not have 10-20% to put down to try to do short sale or ant conventional loan. We would make this our primary residence (stipulation for assume). I have always wanted this home. The work it needs are things we can do with the exception of 1 thing. I am not on current mortgage of husbands house. He just bought it in 2006 (Thanks to this board) and I always make more then amount due payments. This mortgage is also through GMAC. I have husband listed as co-borrower for the assumable. I have recently heard assumable is harder then conventional. If we do not get it then we will have to let it foreclose I was not sure where to post it. sorry. Was wondering if I should put it in dispute mode before GMAC pulled.
  4. I am copy and pasting from my original with no answers. Maybe someone can help me here. Sorry. First off... I am trying to assume a loan on my fathers house. My husband does own the 1 we live in now. On to my question- GMAC has not pulled CR yet. I was nosing around and pulled TU over 1 week ago and Equifax today. TU has no neg and a score of 719 EQ has 2 neg. same company one for 2400 and one for 6. This was an old Elec. Bill and I was on PIP plan. Here is how it reads Collection agency [?] 410yc00206 Original balance [?] $2,436 Current balance [?] $2,436 Status [?] Unpaid Date assigned [?] Nov 01, 2006 Date reported [?] Nov 01, 2007 Date last active [?] Oct 01, 2006 Date paid [?] Not Reported Date closed [?] Not Reported Original lender [?] **********Electric Co******** Account number [?] *******last four digits show on CR********* Type of account [?] Not Reported Account holder [?] Individual Type of credit [?] Not Reported Payment status [?] Not Reported Largest past balance [?] Not Reported Amount past due [?] Not Reported Account descriptions [?] Not Reported AND Collection agency [?] 410yc00206 Original balance [?] $6 Current balance [?] $6 Status [?] Unpaid Date assigned [?] May 01, 2006 Date reported [?] Nov 01, 2007 Date last active [?] Apr 01, 2006 Date paid [?] Not Reported Date closed [?] Not Reported Original lender [?] *****Electric Co.**** Account number [?] Type of account [?] Not Reported Account holder [?] Individual Type of credit [?] Not Reported Payment status [?] Not Reported Largest past balance [?] Not Reported Amount past due [?] Not Reported Account descriptions [?] Not Reported Should I hurry and put a dispute in on this? GMAC will be pulling within next few weeks so I know it will not be removed by then but not sure if I should leave alone or have it in dispute format on CR. Never heard of this Collection Agency __________________ FYI I pulled my free annual experian and EQ is the only CRA reporting this.
  5. FYI I pulled my free annual experian and EQ is the only CRA reporting this.
  6. First off... I am trying to assume a loan on my fathers house. My husband does own the 1 we live in now. On to my question- GMAC has not pulled CR yet. I was nosing around and pulled TU over 1 week ago and Equifax today. TU has no neg and a score of 719 EQ has 2 neg. same company one for 2400 and one for 6. This was an old Elec. Bill and I was on PIP plan. Here is how it reads Collection agency [?] 410yc00206 Original balance [?] $2,436 Current balance [?] $2,436 Status [?] Unpaid Date assigned [?] Nov 01, 2006 Date reported [?] Nov 01, 2007 Date last active [?] Oct 01, 2006 Date paid [?] Not Reported Date closed [?] Not Reported Original lender [?] **********Electric Co******** Account number [?] *******last four digits show on CR********* Type of account [?] Not Reported Account holder [?] Individual Type of credit [?] Not Reported Payment status [?] Not Reported Largest past balance [?] Not Reported Amount past due [?] Not Reported Account descriptions [?] Not Reported AND Collection agency [?] 410yc00206 Original balance [?] $6 Current balance [?] $6 Status [?] Unpaid Date assigned [?] May 01, 2006 Date reported [?] Nov 01, 2007 Date last active [?] Apr 01, 2006 Date paid [?] Not Reported Date closed [?] Not Reported Original lender [?] *****Electric Co.**** Account number [?] Type of account [?] Not Reported Account holder [?] Individual Type of credit [?] Not Reported Payment status [?] Not Reported Largest past balance [?] Not Reported Amount past due [?] Not Reported Account descriptions [?] Not Reported Should I hurry and put a dispute in on this? GMAC will be pulling within next few weeks so I know it will not be removed by then but not sure if I should leave alone or have it in dispute format on CR. Never heard of this Collection Agency
  7. I am trying for a mortgage and was just checking to see if they pulled yet and noticed experian was not on there.
  8. I went to myfico and the only agencies showing are transunion and equifax. Does anyone know why experian was not there? Did not see a post on this but may have used wrong key words in search.
  9. Not sure which company it was. Howard Hanna gave it to us free because we were first time home buyers.
  10. From what I hear if you do not have it in writing "a pay for delete" then there is not much you can do. Sorry, I see you have it in writing.
  11. I send the payment and x-tra all on 1 check. But my mortgage co sends a bill every month and details where previous payment went. And on the stub I send in It has how you are applying payment i.e. mortgage payment additional escrow additional interest additional principal For ours we have a 60K loan. Payments are 548$ a month including taxes-pmi-ins. For 2 yrs I have always paid 600$ Except one time I had to pay min. Not sure how much it will help us but I just put it in my head that housepayment is actually 600 not 548$ and try to trick myself LOL
  12. Around here there was a couple going through local CU to refinance a home loan. They were with WF. When CU contacted WF for a fax on final payoff amount they sent it signed etc... Then by closing raised it 2 more times so the couple had to try to come up with quite a bit of $$$ out of pocket. I heard although it is closed now and went through they can try to recoup some of the charges because of the difference of first signed fax and others following and it raising. This is hearsay but I heard WF raised quite a bit in a short time and CU did not like what was going on from WF.
  13. I have been trying to keep up on this one too since my fiance drives a truck and he has to go from Ohio and deliver in Laredo TX tuesday morn..
  14. If you never met your boss's boss then maybe it is actually because of your boss that you did not get promoted. The big boss may only know your work ethics from what he hears since he is not seeing it firsthand. So maybe you are bashing the wrong person.
  15. I never knew there were bad reasons. I do not feel guilty having my new AC. LOL