Way2Deep

No, estimates from the insurance company put the value at payoff +~$3000 Thanks!

I was not planning on buying a new vehicle for a couple years but thanks to some jerk not paying attention while driving, I have to. I would like to know what I need to bring to the dealer as proof that my old loan through FMC is being paid off. Someone told me I should get a "Total Loss Report" from the insur. company. Will this work? Credit Application: Your Age? 34 Your Equifax Credit Score? 594 Your Experian Credit Score? 627 Your TransUnion Credit Score? 645 How many years have you been on file with Equifax? 16 How many years have you been on file with Experian? 16 How many years have you been on file with TransUnion? 16 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? Yes Will this open auto loan be a trade-in? No How many late pays within the last 12 months on the currently open loan? 0 How many late pays within the last 13-24 months on the currently open loan? 2 Your current open auto loan is financed with? FMC Your current open auto loan payment is? 635 Estimated amount you may be upside down in this vehicle? 0 Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 9 YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 1 Total percentage utilized overall? 35% How many of your revolving accounts are store cards? 1 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? 5 years Do you Rent or have a Mortgage, or Live w/Relative or Other? Mortgage Your Monthly Rent or Mortgage payment? 1487 How long have you held your current job? 12 years Your total provable monthly gross income is? 6100 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) pay stub Is there additional monthly income? What amount monthly? Describe the source. Is the additional monthly income provable? 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.) $3000 Does any credit repository contain any Public Record? Yes If yes, please very briefly describe. Vol. dismissed BK13 in Aug 2008 Does any credit repository contain any Collection Account(s)? Yes If yes, please very briefly describe. 2 CO's (from BK dismissal) that I am paying on. 1 with $800 bal, 1 with $2300 bal Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 7 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 9 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 6 New or Used vehicle you are considering: Please very briefly describe. Looking to replace what I lost, 2006/07 Used truck, $25-30K Thanks for any insight!

Ok, so I'm out with some of my employees at a 'thank you' dinner last Sat the 25th. I go to pay the bill with my Corp. Amex card and the card is declined. WTF? I call AMEX and the CSR says there's a security hold on my account and they just needed to verify that I was using the card. ok no problem, They remove the hold and everything is fine until yesterday. I get this letter in the mail from AMEX dated the 25th: Dear Way2Deep, Your charge privileges have been suspended due to the status of the American Express Card relationship with your corporation. As a result, new charges will be declined on the above account. WTH? So I call AMEX...again. The CSR tells me "Your account is active and in perfect standing" This is crazy, so the same day they put a "security hold" on my account they ALSO suspended my charge privlileges? The card is active however I'm not waiting for lightning to strike twice, won't be using this card anymore. It's unfortunate as we have 30K in server upgrades that were to go on the AMEX. I'm not sure what's going on there, but it seems they are dumping employees AND customers.

WTH is the world coming too. http://www.cnn.com/2008/US/10/27/boy.shoot...f.ap/index.html

I'm thinking they should change some of their slogans, below are some of my ideas: Your Life. Our Card. Tough profanity removed. Long Live Dreams (until we get around to crushing them) American Express. Do More with less credit. Make life rewarding, as long as your not using our card to do it. Please Leave Home Without It

I noticed on the Countrywide website they now have a "Financial Hardship Assitance" page that was not there 2 weeks ago. I basically pasted the page below and it list the available types of help. Maybe one of them will work for you. Good luck to you. Financial Hardship Assistance print this page | FAQs Are you in a Financial Assistance Plan now? We're Here to Help... Countrywide understands that there are events that cause people to fall behind on their mortgage payments. If you are unable to make your payment, we want you to be aware of various options that may be available to assist you in resolving the delinquency on your loan. You can call Countrywide at its toll free number: (800) 669-6650 Please have your Loan Number and Property Address ready when you call Additional Useful Information To Have Ready When You Call: A brief explanation of your circumstances Recent income documents (such as Pay stubs; Benefit statements from Social Security, Disability, Unemployment, Retirement, or Public Assistance. If you are Self-employed, have your tax returns or a Year-to-Date Profit and Loss statement available for reference) Bank Statements and Tax Returns for Past 2 Years For a list of HUD-certified housing counseling agencies, call the U.S. Department of Housing and Urban Development, H.U.D. Toll Free (800) 569-4287 TTY (800) 877-8339 What Will Work Best for You? Your lender is the best source to explain the programs offered. The following overview will give you an idea of what may be available to assist you. Homeownership Retention Options: If you have the desire to retain homeownership, and the ability to resume monthly payments (currently, or in the near future), one of these programs may be available: Loan Modification* This option changes the terms of your loan without refinancing and may include adding delinquent payments to the balance of your loan (repaid over the remaining term). View the Details How the process works This option changes the terms of your loan without refinancing and may include adding delinquent payments to the balance of your loan (repaid over the remaining term)**. You will first be pre-qualified for a modification program. Once approved, we will complete a modification agreement for your signature. Your monthly statement will then reflect your new due date and modified payment amount. Documents that are required Updated financial information for all parties on the loan Verification of income Upfront funds may be required in order to complete the loan modification process. This requirement will be determined at the time you are pre-qualified A signed and notarized modification agreement will need to be completed. Estimated Timing The process typically takes 30 days to complete, but may take longer. The primary stages are: Financial review and approval - 2-3 weeks Document preparation - 2-4 days Document signing - 1 week Changes to loan record - 1 week * All plan options may require investor/insurer approval. All time durations listed are estimates only. ** Loan Modifications are not available with all loan products. Repayment/Special Forbearance Plan* Your lender, mortgage insurer and investor may agree to delay any foreclosure or other legal action if you promise to repay the delinquent amount over a specified period of time. View the Details How the process works You may be able to delay any foreclosure or other legal action if you promise to repay the delinquency amount over a specified period of time. You will be pre-qualified for a special repayment/forbearance plan, and once you are approved, your plan will be monitored by us during the repayment period, until the loan is brought current. In the event your loan is transferred to another Servicer, the new Servicer will monitor your Repayment/Forbearance Plan. Documents that are required Updated financial information for all parties on the loan Verification of income Any certified upfront funds that may be required Completed repayment agreement Estimated Timing The repayment plan process typically takes 15 to 20 days to complete, but may take longer. The primary stages are: Review financial information and determine payment schedule - 3-5 days Document preparation - 2-4 days Document signing - 1 week * All plan options may require investor/insurer approval. All time durations listed are estimates only. Partial Claim (FHA Customers only)* You may be eligible to receive funds from HUD to bring your loan current. View the Details How the process works You may be eligible to receive funds to bring your loan current from HUD. This option is available to FHA customers only. Once we have received all of the required documents from you, we will submit a request to HUD to advance the funds necessary to bring your loan current. Documents that are required Updated financial information for all parties on the loan Verification of income Completed partial claim document Estimated Timing The process typically takes 30 to 45 days to complete, but may take longer. The primary stages are: Review of financial information - 2-5 days Document preparation - 7-10 days Document signing - 7-10 days Document Review - 1 week Request to HUD to advance funds - 1 week * All plan options may require investor/insurer approval. All time durations listed are estimates only. Property Disposition Options: If you are not interested or are unable to retain homeownership, the following programs may be available: Short Sale* You may be able to sell your property at its fair market value even if the sale's proceeds are less than what is owed on your loan. View the Details How the process works You may be able to sell your property at fair market value even if the sale's proceeds are less than what you owe on your loan**. This option provides you with an opportunity to sell your home quickly, while attempting to preserve your credit rating. At the close of escrow, if the short sale is approved, the proceeds are wired to us. Documents that are required Updated financial information for all parties on the loan Completed short sale documents (i.e. Purchase Agreement, HUD Documents etc.) Verification of income Interior appraisal Estimated Timing The short sale process typically takes 60 days to complete, but may take longer. The primary stages are: Determination of value - 2 weeks Negotiation and approval of offer - 2-5 days Transaction approval - 2-5 days Escrow closing - 2-4 weeks * All plan options may require investor/insurer approval. All time durations listed are estimates only. ** This option may have tax implications. Please check with a financial or tax advisor. Deed-in-Lieu of Foreclosure* You may be able to deed the property to the lender/servicer and avoid a lengthy foreclosure. View the Details How the process works You may be able to deed the property to the lender/servicer and avoid a lengthy foreclosure**. For information on how this will affect your credit rating, please consult an independent tax advisor. This option relays to the credit bureau that the financial situation was mitigated. If approved, the Deed-in-Lieu documents are forwarded to our attorney's office to complete the process. Documents that are required Updated financial information for all parties on the loan Interior appraisal Title Reports, to ensure that the property is free and clear of any liens or encumbrances, and the premises are vacated Completed Deed-in-Lieu documents Estimated Timing The process typically takes 75 to 90 days to complete, but may take longer. The primary stages are: Review of financial information - 2-5 days Determination of clear title and value - 2-3 weeks Transaction approval - 25-30 days Document Preparation - 2-5 days Document Signing - 1 week *All plan options may require investor/insurer approval. All time durations listed are estimates only. ** This option may have tax implications. Please check with a financial or tax advisor.

That is funny, I would much rather them call me....even on Sunday but I do understand the logic in calling the employeer instead. I would pay the Amex bill before paying any other bill I have if I needed to.

I wouldn't worry about it too much. There was no credit check for me when I was given the card and there is no trade line (even as a authorized user) on my CRs.

Minimum is the balance on the card, no biggie. Just threw me for a loop that in 10 years the've NEVER called that early. Sign of the times I guess. I will be more prudent in paying them ASAP.

Short story, I have a CORP. AMEX card that I have had since 1998, I use the card routinely for purchases big and small (some work related, some not). I'm not sure how their general credit cards work but with this card I have never had a problem with late fees, calls, etc. as long as the balance was paid within 30 days of the closure of the previous billing cycle. We'll times are a CHANG'IN, I am now 7 days past the end of the previous billing cycle and they called my work!!!! HOLY CRAP!!! Lucky for me I have a awesome admin, and there are no problems on the work front but DANG! 7 days!!!!!!!

wow!

Its 90 in Dallas today , B-E-A-utiful day!

I'm having a costume party in a week, no clue what I'm wearing. I need ideas people!!!!!

You have a good point. But I have to admit...I can't help but kiss my kitty. There's only one 'kitty' Jake will kiss and it can't lick itself. As far as animals go... too many germs for me. ...and its a good thing too. I can see the headlines now..."Mens ability to get a date gone...FOREVER...film at 11." I'm sweet!!!! Just ask me. If you could reach yourself... would you? who wouldnt Seriously, was that a trick question?? I would never leave the house. Is it gay if your with yourself? Memosexual?

Not necessarily. Not when you factor in illegal aliens. Touche