eeyorelover

Has anyone heard of Residential Loan Centers of America, Inc. or RLCA? Have been approved for a 30 years FHA loan thru them at 7.5 percent and am just curious xxx Eeyorelover

Thanx so much!!!

Ok newbie question - couldn't find it doing a search what is CLD??? Sorry but I will be asking these stupid questions probably till the day I die or reach credit nirvana - LOL xxx

I am so excited!! My eq score went up 16 points!!! I have had a few baddies removed and added a new TL and this is the first positive thing that has happened since I started this journey I know it isn't much cuz my scores and cr are still crappy but it's a start I wouldn't have been able to get this far without all you wonderful people so a huge THANK YOU to you all xxx

Oh you cheeky bugger you

duh!!! Double post - LOL

Thanks for the encouragement That was the only lender I had ever spoken with so I guess I let it get to me more than I should have I will be checking out other lenders. Thanx again xxx

I did speak to someone at Wells Fargo. She told me that we would have to pay off almost everything on his credit before she would even do an application! She told me to work on his reports and call her back in August and we would take another look at his reports. The BK was in '98. No new collection accounts in the last 12 months. No late pays within the last 12 months (that I know about). No judgements. It's so much info to sift through that I feel really overwhelmed After the conversation with the lady at Wells Fargo - I'm ashamed to say that I was a little embarrassed when she said (basically) that his credit is so bad that she couldn't help us!

I have been working on DH credit for a while now and not really getting a whole lot accomplished. We are SICK of renting and thinking of just applying with a few lenders to see if we can get a home loan. Problem is that we would need 100% financing and I know that with his credit (middle score of 585) that is going to be difficult. My question is ... is it even worth applying now as it will add Inq. to his credit or should we wait for awhile to see if I can get anything else removed from his reports. He has 2 baddies and a BK that are due to fall off in March of '08. The BK is a double edged sword because it's so old that I know some have had their scores go down some when a BK fell off!! So if it were you in this position - would you try for a loan now or wait ??

ok I'm really new and I'm still learning but I went and got one of those name stamps and have used it when sending anything to a CA or CRA. Don't know if that is an option for you or not but just thought I'd throw it out there as a possibility

The SOL for sueing you is the one for 3 yrs but they can put it on your CR for 7 years.

Couldn't you just call the doctor's office and ask if there is an outstanding bill?? They should be able to tell you if you owe and if the insurance company has paid them anything.

I'm looking to apply for a 2nd TL . My first and only is CJ. Scores are still crappy (middle score of 580). I really don't want to apply for a butt ton and get all that rejection Does anyone know any that are more apt to approve with such crappy scores?? xxx

OMG

Maybe consider sending a PFD letter instead of just paying the last one off automatically. Definitely read the psychdoc transcripts!!! Good luck xxx