mikejkd

I have tried two companies to repair my credit with absolutely no luck. I see some how to's on here, but they are dated almost 20 years ago. Is there an updated "how to" for new rules or changes that have happened recently? I really dont want to do this my self but it seems like the only way unless anyone knows of a legit repair company. Thank You

That is the only action I have witnessed. Now that amount is in a debt collector's hands.

I was financing something and I saw the collection on my credit report. I had no communication with my processor at all. This was a surprise to me 5 years after we did that job. I'm guessing it was a personal guarantee and that's why its on my personal report.

I have a building company that the homeowner paid his first installment on his CC of $16,800.00. After work was done he called his CC company and said it was a fraudulent charge. I went to buy something and I have a $16800 dollar collection on my credit from it. Any idea how to fix this? Thank you

Two years taxes, divorce decree, profit and loss, balance sheet, 12 months bank statements, letter explaining my credit from 4 years ago, and more to come I'm sure.

I have a deposit on a home in MA and am looking for funding. I have an app in with Webster bank but am getting a bad feeling with all the docs there asking for. Does anyone know of a lender that deals with self employed wit a mid 600 credit score? Need help asap as P&S has an experation date. Thanks

Credit Application: Your Age? 38 Your Equifax Credit Score? 571 Your Experian Credit Score? 505 Your TransUnion Credit Score? 578 How many years have you been on file with Equifax? 12 How many years have you been on file with Experian? 12 How many years have you been on file with TransUnion? 12 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? NO Will this open auto loan be a trade-in? YES How many late pays within the last 12 months on the currently open loan? NA How many late pays within the last 13-24 months on the currently open loan? NA Your current open auto loan is financed with? NA Your current open auto loan payment is? NA Estimated amount you may be upside down in this vehicle? NA Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) NA YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 0 Total percentage utilized overall? 0 How many of your revolving accounts are store cards? 0 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 0 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 0 YOUR PERSONAL INFORMATION How long at your current residence? 8 years Do you Rent or have a Mortgage, or Live w/Relative or Other? Mortgage in wifes name Your Monthly Rent or Mortgage payment? $1800 How long have you held your current job? 15 years Your total provable monthly gross income is? $4000 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Tax return Is there additional monthly income? What amount monthly? NA Describe the source. Is the additional monthly income provable? NA Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $2000 Does any credit repository contain any Public Record? YES If yes, please very briefly describe. FROM PERSONAL GUARANTIES ON MY BUSINESS LINES Does any credit repository contain any Collection Account(s)? YES If yes, please very briefly describe. FROM PERSONAL GUARANTIES ON MY BUSINESS LINES Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 8 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 8 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) NEVER HAD ANY New or Used vehicle you are considering: Please very briefly describe. USED 2009 RAM 2500 DIESEL 60K MILES $33,000 - CASH

If they dont know what the house is worth how would they know I owe way more then its worth? I never had an appraisal done for the modification paperwork. Is it worth them taken the home instead of lowering principal to what the current value is?

The mortgage is for $365,000 the home at the corner of my street at equal size and build date just sold for $250,000. Is there any way to do a principal reduction with Chase?

Before we applied for the mod are payment was 1350 now after we get approved for the mod the payment is 1900 and change. It is through chase and am really fed up with them right now. After doing the run around with them for over a year they come back with this. Is there any steps that I can go through to make this make sense to these people. How can they expect us to make payments that are higher if we where asking for help with the lower payment?

After being late on my mortgage back in May of 09 I called the bank to see if I could get a modification. After faxing everything that they wanted and calling them every week to check status I got no answers. In July I lost my patience on the phone and just wanted to make a payment and got refused because now I was n foreclosure status. So after faxing them up to date paperwork(because they expire in 30 days) three or our times we come to where I am today. I just received a foreclosure sale date of March 4 2010. What the hell do I d now? I have around 14k in the bank because have been banking what I should of been paying but they need 18k to reinstate the loan. Why did they not say I could pay the back two months ad everything would be fine?

We have been faxing and talking to WAMU/chase for three months trying to get our mortgage modified. Today we got a letter in the mail saying the home is in foreclosure and the entire amount is due. What should my next step be as I believe the bank is just prolonging the process unnecessarily.

The unpaid balance is 235000 on a property that is now worth around 130-150K. Why do I hear people getting help and they are not willing to give us any slack unless we pay them 8500? I feel the 8500 is better in my hands right now and not on a property that they will not redo for us.

I have a foreclosure coming up on the 28th of may and am wondering what can be done to keep this property? What the bank wants is 8500 before the 28 to be able to modify it but that seems a little bit high for something I bought for 240,000 and is worth about 150-165 now. How do I go about doing this. The place is rented and making money finally so payment isn't a problem for the time being. Can I get someone to buy this property at auction for the discount or is that some kind of fraud? Mike

Original was $410,000 now it is around $360-365K.