fulfilled

ok thank you.

Bankruptcy was already complete and discharged a couple of years now before 2015. Now I do understand that mortgage companies do not always file the claim right away but it went into pre foreclosure in 2010 and the loan was sold two times since then while in bankruptcy.

Hi Everyone, Here is my dilemma: I filed for bankruptcy in 2010. Home went into preforclosure (FHA) 2010 (with BOA). Property did not sell and loan was sold to Bayview loan services in 2015 and then another pre foreclosure was done and then it sold. Would I be in CAIVRS possibly from the original 2010 date with BOA and be in the clear or am I possibly in CAIVRS now from Bayview filing a claim in 2015 and now I have to wait three years to get an FHA? I called FHA and they can't find my name or property info in the system so I had to send in information to my local office requesting my report. It has been over 6 years since it first went into foreclosure and I am now scared...lol Thanks for your help!

Hey Guys, I need your advice. I have a company car that I have to give up because they are cutting costs and that leaves my household with just one car. Well i went to Honda Finance was told I was approved for a lease for 36 months $331/mo. Honda Accord. Put down $2700. Well the unthinkable happened! They called two weeks later (today) and tell me that they couldn't get it approved because of BK from '05 and debt to income (I heard about this happening to people before but it never happened to me even after the 7-8 cars I have purchased in the past). So I call CarMax they send me through to several lenders I can't get approved, I go through Roadloans and can't get approved (had a car loan through them 2 years ago that was paid off). I am not stressing too much but with another baby on the way and my Husband getting in a new position I don't know how long I will be able to go without a car. Any advice is greatly appreciated! p.s. My Fico scores on all three hover around 650 and husband can't cosign because he has personal credit issues. Also, I realize the state of the economy and the stringent credit. I just want to find out if anyone has had any success. Thanks

I called last night and got a $1000 cli for a credit limit of $3300. I have had the card since 9/07 and just called in about a month ago and they told me no!! They are trying to get people to spend for the holidays! :-)

With your scores!! There is no need to wait. You will get approved, even with 5 inquiries. Take a shot and report back. I got approved with a 670 for 2 CC's, Navchek, and PLOC.

53, Mine showed up at midnight. It is now in the savings account. lol

Thanks guys! I will give it a shot by the end of this month or beginning of next month.

Hey Guys, How long did you all wait for a cli on your credit cards with Navy? I have both for over 5 months now. I am thinking I should wait for 6 months. I have under 30% utilization on both $10,000 limit cards. Let me know what your response has been with a cli with them. Thanks

Hey Guys, I just went online to the IRS site and you can now check the status of the payments. You can also call 800-829-1040 and it will direct you to the stimulus hotline to check the status. I think they just put it up today. The only thing is that they have no record of any payment for me. They state that you are suppose to receive a letter a week before stating how much and when. My last two are 53. Can you all check and see if yours is coming up and report back?

No, they will pull business credit.

Hey Guys, I have a $9000 limit on my HDMC with a balance of $4000. I got a cli to $9000 in Jan. Now I have Ford Motor reporting our truck at $30000 on DNB. Could I ask for another increase or do you think I need to wait until Aug.? Thanks

Hey Guys, I have been trying to get in with Macys for the longest. I have applied with them 3 times over a year and a half. Of course I was denied due to my personal BK from '06 and I have read the other posts about the 4 year time mark, but I shop at Macy's all the time and want the rewards. Also, since my bk I have gained so much new credit with great limits due to CB and my hard work. I recently moved into a new home and applied this morning. I got a message to call after I applied and the rep put me on hold for 10 minutes and came back and told me I was denied. I called right back and spoke to a great rep names Lindsay and told her my situation. She came back and said "You were not denied due to the BK" but because of the different address. I faxed her in a copy of my recent bank statement with my new address and she called back and said I was approved for $400. I am ecstatic because I love Macy's and of course she said that in 3 months I will probably receive an increase. I think that my address change overtook my BK from two years ago. My fico scores have been in the upper 600's for about a year.

Actually I have everything you asked about checking account adb, 411 listing, etc. I have been in business 3 years. I have $9000 tradelines from HDMC but of course it does not report. Oh Well, I guess we will keep on trying.

Thanks Guys. It seems like they must be getting tougher but if they can't approve my business off of those tradelines along with my personal (which by the way shows several other auto loans) that is crazy. I am going to try another fleet area and I refuse to pg on this. Thanks