Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


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.

1,852 topics in this forum

    • 5 replies
    • 1,225 views

    • 40 replies
    • 3,615 views
    • 1 reply
    • 1,124 views
    • 2 replies
    • 1,074 views
    • 3 replies
    • 1,299 views
    • 3 replies
    • 1,327 views
    • 13 replies
    • 2,701 views
    • 3 replies
    • 1,295 views
    • 0 replies
    • 1,103 views
    • 4 replies
    • 1,334 views
    • 1 reply
    • 1,182 views
    • 5 replies
    • 1,218 views
    • 6 replies
    • 1,513 views
    • 13 replies
    • 1,753 views
    • 5 replies
    • 1,433 views
    • 5 replies
    • 1,151 views
    • 13 replies
    • 2,024 views
    • 15 replies
    • 1,893 views
    • 3 replies
    • 1,133 views
    • 2 replies
    • 1,181 views
    • 1 reply
    • 1,147 views
    • 2 replies
    • 1,323 views
    • 1 reply
    • 929 views
  1. Timeshare CO help

    • 0 replies
    • 613 views
    • 5 replies
    • 1,071 views
    • 1 reply
    • 628 views
    • 1 reply
    • 1,117 views
    • 2 replies
    • 915 views
    • 15 replies
    • 3,424 views
    • 1 reply
    • 602 views
    • 33 replies
    • 4,459 views
    • 8 replies
    • 1,093 views
    • 7 replies
    • 1,250 views
    • 1 reply
    • 613 views
    • 4 replies
    • 720 views
    • 5 replies
    • 1,629 views
    • 2 replies
    • 493 views
    • 13 replies
    • 741 views
    • 7 replies
    • 525 views
    • 1 reply
    • 334 views
    • 2 replies
    • 425 views
  2. short sale maybe

    • 1 reply
    • 363 views
    • 5 replies
    • 488 views
    • 1 reply
    • 492 views
    • 2 replies
    • 558 views
    • 2 replies
    • 777 views
    • 2 replies
    • 369 views
    • 10 replies
    • 1,399 views
    • 3 replies
    • 595 views
    • 6 replies
    • 959 views
  • Recently Browsing   0 members

    No registered users viewing this page.




  • Our picks

    • I elected to pull the trigger on the new United card the other day.  As expected, there was a pull on EXP.  No instant approval.  I see a pull from the following day on a different bureau (TU). 
       
      I am curious whether this is becoming their new normal.  Recording still has the 'under review' message.  
       
      Scores at the time of the respective pulls are somewhere between 820-838 depending on just which flavor of Fair Isaac modeling was utilized...and as near as I can tell, I SHOULD be under 5/24 since the one that would have put me at 5/24 had been opened in the early part of June 2018 (thus being OUTSIDE of the two calendar year window). 
       
      Last time I opened a non-auto product with them was in the days of the Continental PresPlus card which I ditched after the merger with United.  I actually only expect to keep THIS one for the year since the fee is waived in year one and I want options for the airports that don't have a Centurion Lounge. 
       
       
      • 12 replies
    • Hello, I've been playing with my cc debt for a while now. I've opened new 0% accounts as suggested on these threads. When the 0% is over I transfer it to another one with 0%, accounts that I already have open. Now with the situation that we are all in, it's going to be a little tougher to pay more than close to the minimums. We owe a total of $25k, I've also worked with my DH's available credit for the 0% cards. 
      I am so tired of this debt! Our credit is good over 700's. I've thought about a personal loan since we receive lots of promotions on these, are these loans personally guaranteed? 
      Years ago they weren't but so much has changed. 
      Thank you for all the suggestions. 
       
      • 15 replies
    • First thank you for all the knowledge posted here, I have followed CB off and on for over 10 years. 
       
      So here is me current credit Pic and I don't know what approach to take... except getting credit one and the AT&T charge offs removed.
      Once I receive me new unsecured Cap 1 I'm hoping that gives me a score bump because I really don't have any open accounts as you can see. Discover said no to their secured card 😢 I have been a member of NFCU since 97 but my account is dormant just need to deposit money in savings to make active. But I was thinking I need to wait until I clean up my TU and bring scores up before trying for their secured card.
       
      I'm assuming the student loans are hurting me but didn't want to contact them until I got better guidance from you all. 
      I could desperately use some guidance from you all
       
       
      Fico 8 eports & scores as of March 10 
       
      Experian 558
      Citibank AU $6500 limit $4977 =76% usage  - 9 years old never late - I disputed this account due to usage being high and it was removed- no change to my score 
      Belk AU $9000 limit $1666 balance = 20% usage- 20 years old never late
      Care Credit AU$4000 limit $0 -no usage - 8 years old never late 
      Sears - closed AU no negatives 
       
      CarMax paid closed $19,117 -opened 4/14 closed 7/15
       
      Acendium student loan 44 lates CO $2872 updated 8/16
      EDSOUTH student loan 10 lates CO $1750 account transferred to another office last update 8/16
      EDU SERV OF AMER student loan CO $1984 account transferred to another office last update 12/14
      FED LOAN SERV- closed exceptional payment history 5/15
      GLESI/ Bank of America -closed exceptional payment history 2/12
       US DEPT ED/ GSLI closed CO $1017 seriously past due last updated 2/20
      US DEP OF EDU/ GSLI closed CO $2701 seriously past due updaye2/2020
       
      Inquiries 
      Cap1 3/20 - unsecured card $300 limit in mail 
      Discover 3/20 - declined secured card 
       
       
      TU 509
      Belk - same 
      Care credit - same 
      CreditOne -paid- closed unkown payment history -CO bad debt updated 1/17 
      Discover -same
      Sears-same
      NFCU AU- closed updated 5/23 $20k limit exceptional payment history 
       
      Carmax-same
      All the same student loan info 
       
      Collection 
      AT&T  Mobility $1206  collection opened 9/18 updated 2/20
       
      Inquiries Cap 1
       
       
      EQ 535 
      Citibank same 
      Belk- same 
      Care credit same 
      Creditone same 
      Discover same 
      NFCU SAME 
       
      CarMax same 
      Credit union atl $3803 CO auto- opened 4/11 CO 12/14 - consumer disputes 
       
      EDSOUTH GLESI SAME 
      EDUC SERV AMER same 
      FED LOAN SERV same 
      FED LOAN SERV same 
      US DEPT EDUC same 
      US DEPT EDUC same
       
      Inquiries 
      Cap1 same  
      • 33 replies
    • Well as most of us know, BofA if nothing else, is at least fairly generous with their soft pull CLI requests on a regular six month basis. It has also been well established that BofA has a de facto MAX aggregate unsecured credit card limit of $99.9K for most mortals, however IIRC both Hege and PotO have exceeded this.
       
      So my question pertains to MAX aggregate BofA unsecured credit card limits in relation to total income so that we can set better/more realistic goals and expectations with BofA and not waste our efforts in pursuing limits beyond the BofA underwriting paradigm.
       
      My aggregate limits are just a fraction below 50% of total income, so how far should we push this?
       
       
      • 24 replies
    • So my ob office just called me back because I had a health question. The nurse told me I was due for an ultrasound but that they can’t schedule it because I’m in collections for $234. First, I had no idea we were past due but I’m not happy my nurse and probably my ob have access to my financial info. I feel like this could impact my care. I get being deactivated and not being able to schedule because of being past due. But the billing office should be the only one who has that info. If I called in, the receptionist should be the one to say they can’t schedule me until I talk to billing. It feels like a violation of privacy for the nurse to know bc it could impact how they see me and thus, how they care for me. Are drs and nurses allowed to know the billing info? 
      • 4 replies
  • Posts

    • Bump, and a question for the hive mind:   Is this a situation where OP should worry about the recent AmEx approval if the Chase settlement is made?    Thanks,   maudie
    • Other posters describe and point out many important steps on how to proceed. As suggested by Hege, I have no interest in paying installment loans to improve my credit score. Remember, long-term clean reports can make your score exceed 800.
    • Bump stock maker seeks compensation from Las Vegas massacre victim fund   only the lawyers get paid...
    • Why are you so obsessed with inquiries? Inquiries are meaningless. Focus on what matters like getting CLIs every 3-6 months on all your cards. 
    • Back in college there was a story in the local paper about a massage parlor that had recently opened. It was about a mile down the street from our college. There were complaints that the police were following clients home and sometimes stopping and harassing them. Being a bunch of students one of whom was editor of the student newspaper this clearly looked like a fun story to look into. So 3 of us hopped in a car to check it out. The women at th front desk was initially rather skeptical but loosened up after a few minutes and gave us a rundown. Hopped back in the car and were immediately followed by a patrol car. Turning and wandering here and there down the residential streets to see how long the patrol car would keep on us. Took a good 10 minutes then he pulled us over.   Asked if we knew what we had done wrong? "No officer."  Well, you have to signal more than 100 ft before a turn at a stop sign. Uh huh. (the actual law requires that only if it may affect traffic at the intersection. It didn't).  So then he got into the real reason. "What were you guys doing back there?" clearly referring to the massage parlor. So we explained we were school paper reporters and had gone there to interview people at the parlor having read that police were following clients.  He was somewhat flummoxed and didn't seem to know quite what to say. Wound up just telling us to "not do it again."   As a juror on a RICO organized crime case (long and boring) one of the feds described a "Wall Stop." They were trying to "tickle the tail of the dragon" by having the local cops catch some low level dealers they were surveilling and knew they had drugs. Tried to make it look like just luck that the locals pulled these guys over. Then use wire taps to track who was calling who and what was said. Quite effective. A Wall Stop is just following someone you want to stop until they commit some infraction you can pull them over for. Assumption is that infractions occur so frequently that it's pretty much a guarantee you can stop someone within a few minutes.   A colleague was a deputy sheriff (volunteer search and rescue). He used to tell stories. Some quite amusing. Crooks are dumb.

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