ysiadblu1

There were negatives, but those stayed on my report, I goodwill'd a few times but they never budged on that. They closed the account in november of 2006

Received a call yesterday morning from Sears, said they have been monitoring my account, and since my payment history is so good they wanted to reopen my account. I have a $3200 limit that they said they may increase, and I owe $2000, but hopefully this helps my scores a little. Just curious to how much though, currently all my scores are in the 630's range. Since they offered does that mean there were no hard pulls? I'm in the middle of trying to get a mortgage, so I hope this helps. Now if only Citi would make that same call, since I had a $6700 tl with them.

I have a reverse of this question. My app is in manual underwriting at wells Fargo, and I just got a call from sears that they want to reopen my tl with them. My limit us $3200 and I have a balance if $2000. Should I let wells know about this and would it help my score?

We were turned down yesterday cause my husband has $900 in collections from 7 years ago I'm sorry What were your scores? They didn't tell me but I saw she had wrote down that mine were in the 650 range and looked like his highest was 597

We were turned down yesterday cause my husband has $900 in collections from 7 years ago

Was blindsided today at the mortgage place cause my husbands credit report is showing 12 NSF entries, totaling $944 all from 2002-03 and we were denied a mortgage. There was no reporting agency except for one on all of the entries. I'm not sure if it is in Chex, I ordered that report, but I have no idea where to start to fix this. He thinks he knows what bank he had at the time, so should I start there, or wait to get the report?

My husband and I found a REO that we both like (well I love). I applied online through a local Wells Fargo agent and she wants me to come in to talk about the loan, so hopefully that is a good sign we might get approved. Last time we got a flat out no. Anyway, only issue with the house is that the previous owners ripped out every bit of wiring, copper pipe, ceiling fan, toilet, and even the air conditioner unit out of the house so we need to see about getting a 203k loan. My husband is a contractor and can do the work himself. My question is should I disclose the full issues of the house to the loan officer, or just be vague? I am also considering offering full asking price for the house, which is $99,900 orignally $119,900, all the other homes in the area comp at $140,000-$150,000, but my husband thinks we should offer $80,000. The listing brokerage that Fannie Mae has it listed as in being out of state so I'm sure they don't even know the problems with the house. Even the listing real estate agent didn't mention it to our agent. Opinions on that??

Stupidly, I bought an 03 BMW 2 yrs ago, horrible credit at the time and was approved at HSBC at 12.6%. We are needing a bigger car,and I decided on an Audi A4. I owe 25k on the car, and the dealer offered me 16k for it, but they said it would be near impossible to roll 9k into the new car loan. I am putting down between 1500-2000, and my credit is a lot better now. I was approved with Audi on a car that was going to be $31,000 but the dealer said they would only give me the car if I used the $3500 Audi credit card that I was approved for to use as additional down payment,which I refused to do. I talked to another dealer and they said no bank would cover that negative equity. If I go to my local credit union, and ask for a $40,000 loan will they give stipulations on how much of negative equity that loan will cover or is there anything else I can try?

I think they knew cause the sales manager told me the day I got it that he persoanally bought it at the auction.

I traded in a lease in 06, bought an 03 BMW. I have 25,000 balance on the loan at 12.6% interest with HSBC. Went to trade in the car a few weeks back and found out with the Autocheck that was ran, that the car was announced at auction that the car had unibody damage, so the most they would offer me on the car was 9,000. I have the original carfax that I got the day we bought it and it came up clean.We contacted the dealer we bought it from but they refuse to do anything. I would like to get it refinanced but I'm sure with so negative equity it would be a pita to find anyone who would do a refi. Is there any hope of a refi or the making the dealer I bought it from do anything?