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Mortgages

Discussion of mortgages, buying and selling a home, real estate investing


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  2. Student Loan FAQ

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  4. not disgruntled

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  5. Agricultural property loan

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  6. IRS LEIN 785

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  8. bridge loans

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  10. IRS lein

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  12. DTI Calculations

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  • Our picks

    • Just to give folks an idea why it isn't a good idea to have 0 balances report on all your credit cards. I had one card reporting $800 which was paid and just reported 0. TU FICO 8 dropped from 822 to 802.  FICO scores don't like all your CCs reporting 0 balance.  OTOH, I don't pre-pay but I've been using Amex in the last few months and had Amex reporting 20k. Charge cards don't affect FICO scores. It was just paid and reported 0 balance. No change in FICO. Still at 802. Usually Verizon will show up on a CC but didn't this time. Fell through the cracks between closings.
      • 28 replies
    • I have 2 medical collections for 2 different providers being reported to Experian and TransUnion by the same CA and a 3rd collection with Equifax with a different CA.
       
      I started the HIPAA dispute programs for all them with these results:
       
      TransUnion:  both items were deleted Experian: both items were verified with a note to contact the CA for more info Equifax:  No Response at all and no deletion  
      I started the HIPAA dispute program  for the Experian collections but skipped the 2nd step of Medical DV to the CA by mistake.  Instead, I  sent money order payments to both the OC's using the HIPAA letter and have copies of the deposited and canceled money orders from my bank.  The collections have not been deleted  and I haven't receive a response from the OC's at all.
       
      Knowing the I missed the DV step with the CA, what should I do now to continue the process for getting the Experian entries deleted?
       
      For the Equifax entry with no response, do I just start over again?
       
      Thank you!
      • 11 replies
    • Please excuse my ignorance but correct me in the process. 
       
      Isn’t this showing the credit bureaus “look here’s my signature” which results in signature comparison?
       
      Obviously none of us here has worked for a credit bureau. How do we know that the credit bureau won’t save your driver license picture and compare for verification purposes at any given time?
      • 19 replies
    • I was wondering if I can remove my report from chex, since I need to wait 5 years for it to be removed....
      just to be clear, nothing has been made by error here, I had a negative checking balance, I didn't pay it and the bank closed my checking account, but I paid the amount 4 month ago, and chex said it will take 5 years to be removed..., obviously right now I am facing some/almost huge limitations with all type of creditors even with a credit score of 795+
      is this a Fair Credit Reporting Act?
      What's the fastest way to remove them?!
       
      Thanks a lot
      • 14 replies
    • We were foreclosed upon in September of 2018, and when combing over the documents I noticed the foreclosure attorney signed off stating I had been served in person by the sheriff. I was not even in town on the day of service, and the Sheriff's Foreclosure Notice Return document clearly states copies were left my husband. I am going to look for an attorney to file a Motion To Quash the foreclosure judgement as it is my understanding that a notarized Affidavit of Service means the attorney verifies all the documents are correct and in order - which they were not.
       
      I know it is a long shot, but if there is an attorney from NC on the boards, I'd love to know how long the MTQ takes from filing the paperwork to the mark vanishing from our public record. We are hoping to apply for a mortgage in March and would love to know if this is a realistic timeline.
       
       
       
       
       
       
      • 6 replies
  • Posts

    • I wonder if the rentals include his lower-end brands.  I wear Polo underpantslolexclusively.    Actually, I don't wonder that much.  I wouldn't wear Chaps to a c0ck fight.  
    • The automaker portion of TARP apparently lost some money, but the profit from the financial stocks that the government purchased and later resold more than outweighed that.   There are definitely aspects of TARP that make my skin crawl, but injecting money into a bank by buying preferred stock that is later sold as a profit is NOT the same as just handing the automakers and the banks money and then hoping to recoup some of it down the road in indirect ways.   In my personal life I would not look at buying $5,000 in Amazon stock that I later resold for $6,000 the same way as I would giving a $5,000 check with no strings attached to a friend who's struggling financially.  Comparing TARP to stimulus payments makes about as much sense.
    • Amex Green and Platinum MR 277,578 Delta SkyMiles. Amex Delta Gold and Blue 199,701 American Airlines. Citi Platinum Select MC and MileUp MC 62,780 Amtrak. Amtrak Guest Rewards MC 29,969 IHG MC 55,057 BofA Cash Rewards Visa (3% Travel) $153.41 Citi Double Cash MC $50.87 Citi Rewards+ MC ThankYou Points 16,580 Choice Privileges Visa Signature / Points 285,478 US Bank Cash+ Visa Signature $2.45 DOSH $51.29 Rakuten Amex MR Earning. Pays out quarterly. See Amex MR balance above. Fetch Rewards Points 8491 Regions Cash Rewards Visa Signature $117.51 HSBC Cash Rewards MC $256.47 Wells Fargo Cash Wise Signature Visa $42.74   10k renewal bonus on my Delta Gold. 
    • OMG!  This is to avoid a $200 pittance?  (I'm afraid to ask what else they penny pinch on in terms of property upkeep ...)   That's not to say that I'm any different that others here who have no love for HOA's.  We pay $650 annually, largely for the sake of a pool, tennis courts and a clubhouse that we've never stepped for in/on.  (We have our own pool/spa.)   The HOA has typical semi-nazi management that rules by "the best defense is a good offense".  We bought out house 9 years after it was built.  There was a 4-foot high wooden stake plot market (3 in diam) out by the curb when we moved in.   Assuming it had some purpose, we never touched it.  About 3 years into our ownership, a nasty note from an HOA officer asked us to remove this "eyesore".  Fine, plucked it out of the ground and tossed it in the trash.  WTF the need to get snotty?
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