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lovelyanai

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  1. lovelyanai

    Need a mortgage plan of action-thin file

    Thank you for the advice! I will wait to dispute those medical collections. I did not know usda can use alternative lines, that gives me hope. I will find a local lender who will use this "alternative" lines. Sent from my iPhone using Tapatalk
  2. lovelyanai

    Need a mortgage plan of action-thin file

    Well no one has commented yet. Am I totally screwed lol? Or did I not follow protocol and post something I wasn't supposed to. I'll take any advice I can get. Sent from my iPhone using Tapatalk
  3. Hi Everyone, I was hoping someone could give me some advice on a mortgage plan of action. My goal is get either a USDA or a PHFA HFA Preferred Risk Sharing (No MI) loan as soon as I possibly can. I don't have bad credit per se just very little. I have questions like should I concentrate on building my credit (if so what credit should i go after) or is it okay to apply now. I have done some research on here and just when I think I have a shot I read something that dashes my hopes. I emailed a mortgage company and gave them my exact credit situation and they told me to go ahead and apply in January once my credit updates with the current payment info. However, after reading on here I'm wondering why he would tell me to do so. So instead of confusing myself gleaning little bits of info here and there I'd figure I'd give ya'll my info and hope someone can point in the right direction. Here is a quick explanation of my credit situation-I have one secured credit card opened in November 2016. I am an authorized user on 2 of my girlfriends store cards-Target,Best Buy. That's it! I do have a couple small medical collections reporting (mortgage guy said don't worry about those as they don't take medical collections into account). Current time on Job is 15 months salary 76,000. Fico 8 Scores - Experian Not Available, Equifax 707, Transunion 692 Experian just paid down to $0 balance Account Name CAPITAL ONE BANK USA N Account # 517805XXXXXX Account Type Bank Credit Cards Balance $195.00 Past Due $0.00 Date Opened 11/1/2016 Account Status Open Mo. Payment $25.00 Payment Status Current High Balance $195.00 Limit $200.00 Terms Revolving I have no knowledge of these accounts but they could only be medical as I have never had any credit other than whats listed above Account Name FIDELITY PROPERTIES IN Account # 436168X Account Type Collections - non specific Balance $434.00 Past Due $434.00 Date Opened 8/1/2013 Account Status Mo. Payment $0.00 Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department High Balance $0.00 Limit $0.00 Terms 1 Month Account Name FIDELITY PROPERTIES IN Account # 436102X Account Type Collections - non specific Balance $123.00 Past Due $123.00 Date Opened 8/1/2013 Account Status Mo. Payment $0.00 Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department High Balance $0.00 Limit $0.00 Terms 1 Month Account Name FIDELITY PROPERTIES IN Account # 436178X Account Type Collections - non specific Balance $1,526.00 Past Due $1,526.00 Date Opened 8/1/2013 Account Status Mo. Payment $0.00 Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department High Balance $0.00 Limit $0.00 Terms 1 Month Account Name FIDELITY PROPERTIES IN Account # 436101X Account Type Collections - non specific Balance $121.00 Past Due $121.00 Date Opened 8/1/2013 Account Status Mo. Payment $0.00 Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department High Balance $0.00 Limit $0.00 Terms 1 Month Account Name FIDELITY PROPERTIES IN Account # 436101X Account Type Collections - non specific Balance $121.00 Past Due $121.00 Date Opened 8/1/2013 Account Status Mo. Payment $0.00 Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department High Balance $0.00 Limit $0.00 Terms 1 Month Equifax & Trans Union Account Name SOUTHWEST WOMENS HEALTHCARE Account # 352845XXX 352845XXX Account Type Other Collection services Balance $85.00 $85.00 Past Due $0.00 $0.00 Date Opened 6/1/2015 6/1/2015 Account Status Mo. Payment $0.00 $0.00 Payment Status Unpaid High Balance $0.00 $0.00 Limit $0.00 $0.00 Terms Comments MEDICAL Authorized User just paid to $100 balance Account Name BEST BUY/CBNA BBY/CBNA Account # 702127XXXXXXXXXX 702127XXXXXX Account Type Television & Radio Home Furnishing Balance $597.00 $597.00 Past Due $0.00 $0.00 Date Opened 11/16/2010 11/16/2010 Account Status Open Open Mo. Payment $27.00 $27.00 Payment Status Pays account as agreed Paid or paying as agreed High Balance $654.00 $654.00 Limit $600.00 $600.00 Terms M Minimum Account Name CAPITAL ONE BANK USA CAPITAL ONE Account # 517805XXXXXX 517805XXXXXX Account Type All Banks Banks and S&Ls Balance $195.00 $195.00 Past Due $0.00 $0.00 Date Opened 11/12/2016 11/12/2016 Account Status Open Open Mo. Payment $25.00 $25.00 Payment Status Pays account as agreed Paid or paying as agreed High Balance $195.00 $195.00 Limit $200.00 $200.00 Terms M Minimum TransUnion only Authorized user just paid down to $100 balance Account Name TARGET/TD Account # 585975XXXXXX Account Type Department, variety, local, regional, and national chains Balance $160.00 Past Due $0.00 Date Opened 8/13/2007 Account Status Open Mo. Payment $27.00 Payment Status Paid or paying as agreed High Balance $551.00 Limit $600.00 Terms Minimum Account Name UNIONTOWN HOSPITAL Account # 100026XXXXX Account Type Collection services Balance $50.00 Past Due $0.00 Date Opened 4/19/2013 Account Status Mo. Payment $0.00 Payment Status High Balance $0.00 Limit $0.00
  4. lovelyanai

    Federal Direct Loan Consolidation

    Hello, I am a newbie and have decided to try and get my defaulted loans consolidated. I went to the Federal Direct Consolidation website and tried to submit an app but you need all your loan info. So I pulled the list of all my defaulted loans from the NSLDS but they do not give you the guarantor/lender info or account number and percentage rate which is needed to complete the app. All it says is that they have been placed with the Debt Collection Service. Do I need to call them to get the info or is there someplace else I should be looking? Any advice is greatly appreciated.

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