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Found 6 results

  1. So I was trying to find some info on this, so any advice will help.. I had a loan through Nissan and missed a few payments so they closed my account. After talking with them they agreed they won't send it to collections or repo it as long as I make my payments on time, which I have been. They told me they won't open my account back up though. I have a credit score of 592, and still working on improving it.. Is there any way I could possibly refinance the loan or if I could trade it in and have the balance rolled into another loan? The amount left is 14,942$..... Or am I screwed because the acc
  2. Sorry, this is a little long, but I wanted to try to get as much info as I know for some advice/help. In 2005, a family member purchased a home, then in 2010 she almost foreclosed on it, but was able to get a loan modification after working with the bank for a year on it. During that year, she didn't pay her 1st mortgage or her 2nd mortgage. Since the 1st mortgage was modified, she was able to keep her home. The 2nd mortgage was with HSBC, and they charged it off. That 2nd morgage was around 55k. Then in 2013, she moved out of state, and rented out her property in FL. She
  3. Hi all, I've relied on this site for the last 2 years when I first found numerous errors. I thank you for the solid advice I have found here, which has empowered me to clean up everything but this last item. This chargeoff is a little unique so I am not sure how other chargeoff posts relate to it. It is probably a valid account though I question the amount. It will fall off my report in July 2018, but I would want to pay what I owe legitimately, as a matter of personal integrity unless it exposes me to new illegitimate credit issues. Background: In 2008 I bought a MINI Cooper and w
  4. Hi everyone, I'm totally new to the forum so hi and hello. Bottomline, I am in complete PANIC mode. In the last few months, I have 4, yes FOUR account charge offs. I had two accounts with Capital One, and two accounts with First premier Bank and they have all, now, charged off. This year was a tough year for me financially; i made a lot of mistakes and did some overspending last year and it seems this was the year everything came around to bite me in the butt. Obviously hind sight is 20/20 and I see now all my mistakes---shouldn't have got the cards to begin with, should have
  5. Hi, My husband is in the process of buying a house. I am not on the loan, but they do check my credit because Nevada is a community property state. If I have a chart off on my credit report, will he be required to pay it off to have the loan approved. He has already been preapproved. thanks
  6. I've made some mistakes in the past, who hasn't?! I recently contacted the bank I owe a balance with a credit card and loan. The debt was charge off July 2009. My plan was to workout some type of deal with the original creditor, but the creditor referred me to CU Recovery the collection agency they deal with. Per the rep I spoke to the bank wants over $6000 when I only owe 3200 because of added interest plus the rep claims I was sued over the debt so I have to pay for that as well. I requested a settlement to 3500 along with a pay to delete. She said the creditor isn't going to honor and not