Scores and my steps toward mortgage

[Syd]

So, here is my update. I got reply from the other two CRAs (TransUnion and Experian). They didn't delete anything. They are saying all those negatives are mine, including the one (pinnacle) that is truly not mine. So I sent pinnacle a certified letter asking for proof. Next week I will look for a lawyer and send them a threatening letter or something. As for the telephone bill, it is paid in full, but still being reported as a collection account. Shweeet! I have sent a threatening letter to the collection agency reporting it.

 

Now for my steps toward mortgage, I pulled my FICO score for TransUnion and Equifax last night. Here are the numbers

 

TransUnion = 664

Equifax = 625

 

I couldn't pull experian (who knows why)

 

I hope I can get some good mortgage (who knows). I will try my best. That mtgprofessor site DACMAN provided seems to be good source. Anyone, has experience with those guys? I know eveyone knows Will (he is rich and famous now) but he doesn't broker for my state. DACMAN gone missing (;-) stolen phrase from you guys). I sent him an email last week or maybe before that. didn't get any reply.

 

I am looking for a realtor too (buyer's agent). Please share your expert opinion on this too like, how to shop for a realtor, blah blah blah.

[willtygart]

I suggest asking someone to run a DU or LP on you. Depending upon what you want to put down you may qualify for 97-100%ltv loans. These are really good programs that have a wide range of guidelines. Unless your DTI is high you should be under 6% for sure and maybe even in the mid to low 5's. Knowing DACMAN, he is going to suggest an FHA and I can vouche for the mans knowledge on FHA....he knows his stuff.

 

If you chose a realtor..and it happens to be the listing AND your agent.....cut a deal with him/her for some of th fees back. They get 6% if they are on both sides....make them pay for some of your closing costs.

If you are in NY, NJ, or Conneticut I would suggest going to Foxtons.com and see what they have.

 

I would like to mention that just because someone is listed in the Upfront Mortgage Brokers site doesn't mean that they will be good. I am on that site and so is Dacman. I like DACMAN and feel comfortable enough to refer clients to him. I had a client that wanted to shop me around and he called a UMB and the response/service he received wasn't very good. So like everything, just cause it is listed somewhere doesn't gurantee that it will be good.

 

Good Luck my friend and keep it quiet about the rich part, my wife catches wind of that and she'll be looking for the loot. :wink:

[DACMAN]

Syd,

 

Sorry I was MIA for a bit. Lost a hard Drive and all the mail that was on it. Hopefully will be able to restore the mail, but haven't had time as thjis was the least important right now. Did get you new email and have left a message for you.

 

Look forward to talking to you.

 

Don

[Maximus330I]

You can now pull experian and get the real FICO score. Just log onto myfico.com and follow the links. Its about time Experian got on board!

[NeedItNow]

So, here is my update. I got reply from the other two CRAs (TransUnion and Experian). They didn't delete anything. They are saying all those negatives are mine, including the one (pinnacle) that is truly not mine. So I sent pinnacle a certified letter asking for proof. Next week I will look for a lawyer and send them a threatening letter or something. As for the telephone bill, it is paid in full, but still being reported as a collection account. Shweeet! I have sent a threatening letter to the collection agency reporting it.

 

Now for my steps toward mortgage, I pulled my FICO score for TransUnion and Equifax last night. Here are the numbers

 

TransUnion = 664

Equifax = 625

 

I couldn't pull experian (who knows why)

 

I hope I can get some good mortgage (who knows). I will try my best. That mtgprofessor site DACMAN provided seems to be good source. Anyone, has experience with those guys? I know eveyone knows Will (he is rich and famous now) but he doesn't broker for my state. DACMAN gone missing (;-) stolen phrase from you guys). I sent him an email last week or maybe before that. didn't get any reply.

 

I am looking for a realtor too (buyer's agent). Please share your expert opinion on this too like, how to shop for a realtor, blah blah blah.

 

You really don't have to spend your money on a lawyer. Threaten to sue them in small claims court - It will cost them $$$ to defend. I always fill out the small claims court paper work and fax it to them, asking if there is any action they would like to take before forcing me to file these documents. Every case has resulted in immediate deletion.

[willtygart]

See...you credit guys just scare the bajeezers out of me!!! Too much knowledge for one person to have. :shock: