Jump to content

Foreclosures/Loan Modifications

You're trying to get a modification, or you're being foreclosed?
While every lender, foreclosure and modification situation is different, this is a place to discuss and share your experiences.

1,841 topics in this forum

  1. Pinned topics
  2. IndyMac Modifications

    • 5 replies
    • 11,589 views

  3. Chase/WaMu Modifications

    • 4 replies
    • 14,580 views
  4. CitiMortgage modifications

    • 1 reply
    • 12,620 views
  5. Countrywide Modifications

    • 6 replies
    • 14,613 views
  6. Contact Info for Lenders

    • 0 replies
    • 10,369 views
    • 0 replies
    • 14,611 views
  7. Other topics
    • 2 replies
    • 61 views
    • 1 reply
    • 88 views
    • 5 replies
    • 230 views
    • 7 replies
    • 184 views
    • 1 reply
    • 86 views
    • 11 replies
    • 204 views
    • 2 replies
    • 308 views
    • 7 replies
    • 767 views
    • 27 replies
    • 1,126 views
    • 5 replies
    • 189 views
  8. TD 2nd

    • 3 replies
    • 284 views
    • 1 reply
    • 123 views
  9. Written Contract

    • 3 replies
    • 152 views
    • 0 replies
    • 202 views
    • 9 replies
    • 682 views
    • 0 replies
    • 155 views
    • 3 replies
    • 155 views
    • 3 replies
    • 178 views
    • 6 replies
    • 304 views
    • 2 replies
    • 270 views
    • 0 replies
    • 284 views
    • 1 reply
    • 235 views
    • 10 replies
    • 353 views
    • 5 replies
    • 425 views
  10. Foreclosure Deemed

    • 9 replies
    • 422 views
    • 2 replies
    • 281 views
    • 1 reply
    • 257 views
    • 23 replies
    • 618 views
    • 2 replies
    • 321 views
    • 14 replies
    • 832 views
    • 2 replies
    • 465 views
    • 19 replies
    • 661 views
  11. 2010 Reaffirm

    • 11 replies
    • 460 views
    • 2 replies
    • 444 views
    • 11 replies
    • 1,352 views
    • 1 reply
    • 371 views
    • 6 replies
    • 592 views
    • 1 reply
    • 287 views
    • 9 replies
    • 679 views
    • 13 replies
    • 497 views
    • 1 reply
    • 413 views
    • 7 replies
    • 540 views
    • 28 replies
    • 1,497 views
    • 11 replies
    • 455 views
  • Recently Browsing   0 members

    No registered users viewing this page.

  • Our picks

    • How very.
       
      https://www.alliantcreditunion.org/bank/visa-signature-card
       
      Hat tip to a quiet but astute member who conveyed the info to me in a PM.
      • 18 replies
    • My wife and I are trying to push our credit score above 760 to make sure we get the best mortgage rates possible. She is currently at 751 and I am at 738. Thankfully we are planning to close on the construction loan in January 2020.
       
      Is myFICO monitoring ($30/month) my best option to keep an eye on our scores so we can achieve our goal?
       
      We will be about $25,000 lighter on our debts at that point from the current estimated balance of about $32,000 (at an overall usage of 26% currently for our credit limits). We are hoping the payoffs, with only one loan to be closed that’s 3 years old, will improve ours scores, but we don’t want to go into closing without “knowing” what our credit scores are.
       
      Thanks for any advice in advance. This is my first post and I couldn’t find relevant answers in the search function.
       
       
      Sent from my iPhone using Tapatalk
      • 5 replies
    • Good afternoon everyone, 
       
      I am currently trying to help my brother with a Bankruptcy that's being reported on Experian and TransUnion. Equifax in fact did deleted and is no longer reporting it. My brother was going to file for Bankruptcy but in the end he actually didn't. The confirmation of the proposed order was denied. Such documentation was give to him for the record. Document reads "Order Denying Confirmation 
       
      Why is it still reporting? He went ahead and disputed the reporting to all credit bureaus and Equifax did delete it but not Experian or Transunion. Is it possible for a bankruptcy to show even if such never went through? 
       
      What other steps can he take to have it removed? Thanking you all in advance for your input to this matter. 
       
      • 4 replies
    • https://creditcards.usnews.com/articles/does-a-higher-income-mean-a-higher-fico-score
      • 14 replies
    • Hello All,
      I am looking for ways to have these 3 Charge offs deleted from all 3 reports. All are around 3 years old. I have already disputed and they cam back as "verified" Possible PFD? Anyone have luck with these creditors? Thoughts?
       
      DCU, Wells Fargo and Barclays
      • 5 replies
  • Posts

    • I should know I can count on a "reality check" from you, cv!  😎   Details at PenFed are a little lacking (and I presumed some of what's missing based on "convention").  TPG has the real scoop:  https://thepointsguy.com/2018/01/penfed-pathfinder-amex/   No cash redemption of points.  Gift cards yield about $.85/100 pts, at best.  Air travel is suggested at netting about $.85-$.90/100 pts.  Hotel bookings through their travel portal can offer a premium yield (a test Hilton hotel booking via their portal vs hilton.com came in at an exceptional $1.27/100 pts; they suggest $1.18 is more typically as good as it gets).   Although I travel frequently, my hotel stays are usually booked on my behalf.  So I'm going to stick with $.85 as a valuation, taking the "4% in points" rebate on travel charges to a tangible 3.4%.  That's superior to my best no-fee travel rebate card (Chase AARP, at 3%), and the SUB (25k pts after $2500 spend in first 90 days) is no slouch.   But (at best) I view Pathfinder a toss-up compared to Chase Sapphire Reserve.  I'm holding back on an app, for now.   (btw, my bad ... the annual $100 travel credit is specifically identified as an air travel credit for incidental expenses ... baggage/lounge access/in-flight food/bev.  Like many here, I already recoup these 95%+ of the time based on elite status or other credit card perks.)
    • Try filing the request to vacate the judgment. Can't do any harm.
    • The rules for renewing judgments are on line.  (RCW 6.17.020). Will they renew? We have no way to answer that.
    • Make an offer on a house with a pre-approval from PenFed (and a hard closing date they tell you in advance will work) and report back.   Make sure you're putting at least 30% down, have perfect credit and negligible DTI, and get the house (which has no title issues) for slightly under market value.    

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines