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About buckeyechick1219

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  1. It's been a long time since I've visited this site, but it was the first place I thought to go when I received a call from PRG today. I received a voicemail on my unlisted cell phone this afternoon. Before I even had a chance to listen to the message, I got a phone call from my husband telling me that he had received a phone call from somebody from the fraud department at PRG looking for my brother. He told them he wasn't the person they were looking for, that he was his brother in law. They asked if my husband was in contact with my brother, which he replied no and asked them how they got
  2. I wanted to provide an update, for anybody that may be in the same boat. I contacted our lender. I told them our loan was held with Fannie Mae and said i was interested in investigating our options. We do not qualify for a modification, apparently, because our mortgage is already less than 30% of our gross income. So we looked into the refinancing option. We were told that since our LTV is more than 105%, we are kicked into the 125% loan category, meaning we have to pay $2000 in points to get a 4.75% interest rate, plus closing costs because they can't be rolled into the loan. We would be pay
  3. I thought I had already posted a thank you, but I must have been dreaming. Thank you again for all of the information. I contacted my mortgage lender today and am waiting to hear back from them as far as what my options are. Is a home modification something that is worthwhile if we are able to make our payments? I guess I don't fully understand what the modification is versus a refinance. Anyway, hopefully we'll have some good news soon.
  4. That is a lot of information. Thank you! Our loan is held by Fannie Mae, according to the home look up. I got the 14% number from Zillow, and when we consulted with a mortgage lender, he came back and gave us the same value that Zillow has listed. Now, I don't know if he got that from Zillow or from MLS listings, or where. Using the site below, the value is substantially lower, almost another $15,000 lower than what we were previously told. I may be fighting a losing battle in this case. I will definitely look into some of the options you mentioned. Thank you again.
  5. We are currently upside down on our mortgage with 114% LTV. A few weeks ago, the mortgage lender we went through contacted us regarding refinancing to a lower rate. I told him up front that we were upside down on our mortgage and didn't anticipate it being approved, but we went in anyway. He had done all of the calculations for an FHA refinance and we were going to be saving about $100 a month, and then realized that we have a conventional, not an FHA loan. He then mentioned a Sallie Mae refinance option that allowed for a 110% LTV for conventional loans. Again, we're at a 114% LTV. He called
  6. I don't know if she's using your credit information to apply for these accounts, but if so, you could always put a fraud alert on your credit report? I put one on mine, for a different reason, but it means that everytime I apply for credit, or my husband applies for credit and provides my information, they call me to verify that I'm aware somebody has applied for credit in my name. We went shopping for a car a few years ago and got something like 20 calls from car loan companies verifying my information so they could try to provide us a loan.
  7. Probably a wise move to black out the code and not apply. We've had two Best Buy cards for a couple of years now, and we've not had any problems with them, per se. However, we have several no interest for X number of months purchases on the cards and haven't paid a dime of interest to them on smaller purchases. I've been working dilligently to pay these cards off before we're charged any interest and just today noticed that I think they're calculating the average daily balance wrong for assessing interest. I'm going to do some more research into it, obviously, but if they're doing business in
  8. You know, I'm not all "sue sue sue" but these idiots are still calling me daily, after one request through the USPS and another two three through e-mail. I plan to pay the dang thing, but their continued phone calls make me want to sue them just so they know that "stop calling" means "stop calling".
  9. I-O! Grad school is only a logical investment for me because I need it to do what I want (teach English). My current company will reimburse up to $5200 a year in educational expenses, but I have to stay with them for a year after their last disbursement. I don't know if the extra year at my current company is worth the $5200, lol. We've been putting off a new car loan for many, many years. Although my current car is completely paid off, I've been debating whether it would cost less to keep a new car on the road. I recently dropped money into this one for a new radiator and to replace a gasket,
  10. Thank you for such thorough answers. When I signed up for the old graduated repayment plan (four years ago, I think my payment will be going up again this year), I was paying extra towards my Perkins Loan and the graduated payments were never going to be higher than what I was paying right out of college (Perkins would have been paid off before the payments got too high.) Since then, finances have gotten tighter and I haven't been paying extra on the Perkins, so it's still on a 15 year repayment plan. I'm not necessarily thinking rates are going to go lower, as much as expecting them to go muc
  11. That's an interesting question. My mom has received collection notices for me in my maiden name at an address I've never lived at. What's annoying is that one of these collectors will put that address on your credit report as a valid address, then the others will contact you there as well. I've disputed addresses that were put on my credit report in such a manner and had to jump through hoops to get them removed because "A creditor reported it as my address".
  12. I haven't received collections notices in a really long time (not since finding this board!), so I need a little refresher course. In May, I received a call from a collection agency regarding old medical debt. I legitimately thought this debt had been resolved years ago, so I was a little shocked when I received notice. I DV'ed, just to protect my rights under the FDCPA, and simultaniously contacted the hospital where the debt originated to find out why it had been sent to collections. I worked through the hospital, found out that the money they were supposed to refund me for one account had n
  13. If it's not the card you applied for, you can cancel it and dispute the TL with the CRA's. I've had this happen before and the credit line was removed as soon as I disputed it, since I never used the card or activated it.
  14. That's awesome. I thought Cap 1 wasn't very forgiving. Maybe there's hope for me yet.