getting my house

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About getting my house

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  1. Thanks willing. There is a lein on the property from the Chap 7. Like I mentioned above they were advised by their lawyer to file a 13 after the fact to get rid of the lein and never did. As well this JDB is somehow foreclosing on the entire property on defaulted second mortgages. On another website someone mentioned if the JDB is willing to service the first loan then they can foreclose. That's a huge risk in my book. One of the homes this company forecolsed on is listed for sale. Thanks for your feedback.
  2. Hi Everyone, I apologize in advance if I am in the wrong forum. I am posting on behalf of a dear friend of mine. Here is what I know: We are in Arizona 2007 Refinanced and took out second mortgage 1st = 200K 2nd = 85K Approx 2009 they filed Chapter 7 which included discharging the 2nd mortgage (Nov 2010). They were advised at that point to file Chapter 13 a few months later to remove the lien on the second, but they never did. Fast forward almost 4 years later. They are CURRENT on their first mortgage with a balance of approx $180 They received a letter from Trustee Corps the trustee for "P
  3. thanks to all of you for the info. I never thought to look at the online pdf statements - I will check that tonight - I will also call and see if they will waive the fee and then cancel. I have worked SOOOO hard to bring my scores up and rebuild my credit that I do not want to mess it up BUT I also DO NOT want to pay $39 for a card I want to cancel. Thanks again - will post results gail
  4. I don't get statements - paperless method - looked around for the terms online couldn't find them - started googling and came up empty too - that was my first line of action, but no such luck
  5. Just noticed that orchard assessed the annual $39 "membership" fee - Called to find out if it is for 2009 or 2010 - they say 2010 - Used it for one purchase this holiday season - payment is posting tomorrow. They say it should have been assessed on Nov 28 but it didn't post til 12/21 (8 days ago) - No email, nothing - go figure. So my question is what are the chances of canceling and NOT paying the annual fee since it is for 2010 and I will cancel on 12/30......... Off to research some more Thanks Gail
  6. Just thought I would post, for informational purposes, that I had 8 student loans that were late back in 2001 that have been moved from late/bad accounts to paid/never late good accounts on experian. I had tried to dispute awhile back but nothing came of that, so I waited patiently . Checked my experian this morn and all 8 have been moved to good accounts and, as I stated above, have been changed to paid/never late. On a side note I did consolidate all the student loans back in 2002 to reduce my monthly payment, which with my current budget will be paid off Sept 2009. WAHOO Just thought I woul
  7. Thanks for all the reply's. Guess I will filll out the form and let it go. You would think there would be another way to check criminal history rather than thru a credit report.
  8. I did a search but did bot find what I was looking for, or rather pertained to my situation, so I thought I would ask. Going to speak to a recruiter tomorrow re: a construction project coordinator job - nothing to do with money or finances, just paperwork for construction jobs. This is my first meeting with them. Have not spoken to or know about the company with the actual position. Recruiter sent an email with app and background check form - Not to keen on it only because it is my credit and I worked hard over the last couple of years fixing it so we could get the mortgage we have - sorry I d
  9. OMG - That Is Freakin Hysterical!!!!!!!!!!!!!! And I am a "newlywed"
  10. Hiblues - thx for the link to amex - my husband has american express, don't know if I can sign up for myself without being an AU but I will look into it. I think TC/TU is trying to increase profit - go figure - so the loss of 9.95/month clients probably doesn't matter as much if they are getting people signed up for 14.95/month or more - I would think it all balances out in the end for them. I just think it is VERY poor CS and customer loyality - you cut someone off you know has been with you for 2 years straight just so you can make an extra 5/month - that's 60/year. Oh well - life goes on.
  11. So for the past 2 years I have had TC 3 in 1 monitoring paying 9.95/month - I went to try and update my report yesterday but it asked me for my credit card info so it could charge me 14.95. I clicked cancel because why should I pay for something I am already getting charged for, at least that was what I thought it was doing. So of course I call CS 3 times today because I thought yesterday was a glitch - 2ce they tell me I cancelled my account yesterday - then I look thru the agreement online, which states you can only cancel by phone - hmmm - so I call CS again and ask if it is possible to can
  12. End of April Cap one reports a $400 increase in balance - MyFico emails and says my score increased by 6 points - strange but cool. And as we all know Cap 1 does not report your credit limit. Orchard bank reports a balance increase from $0 to $16 and my score drops 8 points. And they do report the limit. That sounds a bit strange - thought I would share. And I think the reason for the score changes is because Cap doesn't report limit and orchard does. I will reread the sticky about scoring.
  13. Tues morn - can't update in AZ - couldn't update Mon either.
  14. Disputes ended - CA dropped of TU - updated with no change that I can see thru TC on EX and EQ. No score change on TC Do I MOV or ITS? I am thinking for a paper trail I MOV first. Any input appreciated. Thanks
  15. I have a settled CA TL that says it won't fall off until 2010 when it should be gone already (OC fell off last year) I sent CA a letter per this post Disputed with CRA's (dipsute ends 2/7/07) CA verified to TU (who still has the note "disputed by consumer") and EQ Is my next step ITS once the dipsutes end? Thanks