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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.

1,844 topics in this forum

  1. Pinned topics
  2. Chase/WaMu Modifications

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  3. CitiMortgage modifications

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  4. Contact Info for Lenders

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  5. Countrywide Modifications

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  6. IndyMac Modifications

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  7. Other topics
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  8. "Show me the note" 1 2

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  9. 1099-C

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  10. 1099-C Foreclosure

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  11. 2 Foreclosures in 2010

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  12. 2 months late

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  13. 2010 Reaffirm

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  • Our picks

    • Link:  https://www.marketwatch.com/story/chase-hikes-the-annual-fee-for-its-popular-sapphire-reserve-card-to-550-and-rolls-out-new-perks-2020-01-08
       
      Quote:  "Chase JPM is increasing the annual fee on its popular Sapphire Reserve card, intensifying the ongoing competition with American Express’ Platinum card."
       
      Maybe I'm slow, but how does increasing the cost of a card intensify the competition?  Next, will American Express increase the price of their card to $1,000 to keep up?  Anyway, I wouldn't pay $550 for any card.  The benefits aren't worth it for me.  For $550 I could take a week vacation to Las Vegas if I want (I don't really care for Vegas, but I needed an example).
       
      Anyway, all my annual fee free not-very-fancy cards all work the same at McDonald's like the Sapphire Reserve card.
       
      • 21 replies
    • So my TransUnion score is about 60 points lower than the others. On the 3rd party sites that give me my score, they mention a derogatory account being the reason so I pulled my report and there are no derogatory accounts. 
      I called TransUnion and they were no help, trying to get me to buy something. 
      So here I sit, decided to buy my TransUnion score directly from them, found it to be 9.95, 19.95 and 24.95. The lower prices are displayed but then when I log in to buy, the other prices disappear and they want 24.95 
      Starting to feel a bit bullied. 😡
       
      Any idea why my score would reflect a derogatory mark but my report does not?
       
      Thanks!
      • 12 replies
    • Hello Everyone,
       
      Happy New Year to all! Question for some pros. I disputed a Verizon Wireless collection account on all 3 CRA's. The usual "verified" thing happened on TRANS and EXP but, it was removed for EQ. 
       
      The question is, am I able to dispute again with TRANS and EXP stating that the account was removed on EQ simple and plain? If so, do I just dispute and say TL was inaccurate and removed from EQ and should have been removed on all 3, please remove?
       
      Thanks in advance!
      • 26 replies
    • Well, I exceeded an established limit set by a lender, 48.00 bucks and change.  Notice arrives referencing the delinquency having with an offer to remedy the default. Irksome is wording that implies the outstanding amount due is an amount to make the balance $0.00. While due really is a minimum payment 78.00 bucks even. 
       
      Someone with a better working knowledge of those laws regarding language, syntax, technicalities of painting, respond with insight including an answer to this question could the lender be on the hook for misrepresenting the amount, or some other infraction?
       
      To date, the account is open, no notice received of account closure wherein then the whole amount is due. 
      • 11 replies
    • Flew back into IAH the other day after spending the week in Vegas.  As I went to exit the garage, I had my parking ticket and AXP Plat out and ready to go.  IAH uses one of the machines at the exit where you insert the ticket and then it prompts for the card, and then returns both to you, with the ticket serving as the receipt.
       
      Somewhere in the time since my last departure from IAH in August, they have added a little sticker to the machine that says "No Metal Cards." They don't staff the credit card lanes with humans.  Fortunately, I had options and more fortunately, there was nobody in the line behind me being inconvenienced as I dug for a plastic card.
       
      Anyone else seeing similar things? 
       
      I am curious as to what prompted the change since they have never been a problem previously.  I do on occasion see instances where the silver mag stripe on AXP doesn't read correctly and the card has to be swiped a second or third time (not at IAH), but that wouldn't seem to be the issue here since, as noted, I have used the card on other travels without problem...
       
      I have an inquiry in to the IAH powers that be, but don't expect a meaningful reply...if one does get generated, I will post. 
      • 24 replies
  • Posts

    • just did a quick addition and my total CLs are now over 100k - $100,300.   hadn't really been tracking that and didn't realize they had gotten that high because it's been a rather slow growth process the past couple of years with limited cards available and so many CLI declines. but little by little it's growing any way.
    • so that's odd. my statement just cut yesterday and I get a notice today from EX that Citi raised my limit on my DC card. 14.7k => 16k. I just got the letter last week with the decline reason. not much of a bump, so I'm guessing this was some kind of auto-CLI? very strange.
    • 1. Do you have proof in writing of the request to close the account before the fee was charged? You need to send a letter to someone as high up as possible at GreenDot with the proof and get them to retroactively credit the fee and close the account in good standing and update the CRAs.    2. Pay Progressive and send my letter from the sticky to CCS.    3. If it's really not your account, SOL doesn't matter. You need to request validation and get the account number of Verizon and then you can call Verizon and find out if it's really your account or what happened.
    • Can you list the actual DOFD for the three accounts? Also, do not dispute online. In writing, via snail mail only (with a couple exceptions).
    • The answer was in your question. 

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