kamoske

Thank you. Do you have any suggestions as to what to do next?

THis is a copy of her email to me: I just recieved a phone call from one of our underwriters and told me your application has been declined. The reasons he gave me is there were lates and a collection in 2007, lack of good re-established credit since the bankruptcy and too many inquires and new accounts in the past few months. Since all of the "stuff" in the mortgage industry lately, underwriting has become very tight, tough and strict. I asked him what direction you should take and what he suggested was to keep all of your accounts current, do not apply for any new credit, and he said to try again in 6-8 months. I was hoping for a better outcome...but I guess patience is what we need to have right now. The late was a 30 day late which will be 1 year out at the end of June - my bk was discharged in 2/06. I established credit cards in 1/08 which is the new accounts. The inquiries were from auto shopping which was justified by a letter. Should I just wait or is there someone out there that may give me a chance? Thanks for the help everyone - Kim

Hi I was denied a FHA mortgage from Wells Fargo Home Mortgage, does that mean I will be turned down at other banks or mortgage companies for FHA? Thanks Kim

just wondering for those that have received checks, what are your last two in your ss

I talked to USDA and they said that bk has to be discharged for 3 years. How did you do it Tools?

Has anyone received a paper check yet? We are getting one, but our last two is 79 so it will be a while

anyone have a recon number for Wamu?

does anyone know where I can find HSBC - where they will do a soft pull to see if I am eligible for anything? Thanks

tarheel, just want to confirm, is it going to be open to honorably discharged employees as you stated before? Or is it just going to be to retired military? Thanks

"HSBC has the same thing" - where can I find that?

for those getting the answer - you may have made a mistake, this is a doublecheck screen - you have to hit the continue button to get a response. Everyone gets the you may have made a mistake screen.

thanks trevor, I was searching using NFCU not spelling it out - got a little nervous -

This may be a dumb question, but I can't find the NFCU opening to DOD topic did it get deleted?

thanks tarheel hope to hear from you later today! Kim - You have been a great help!

ok, just so I am sure I understand Kitty, the filing date is the date the judge filed the judgment not the date the creditor filed for the judgement right? That stinks -