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Shuwatic

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  1. I have the Hawiaan Miles Barclay mastercard... I can't find anywhere that it says it offers a free report. Does that offer not apply to Hawaiian Air cards?
  2. They already agreed to remove the deposit, based on my history with them... my concern is more with the old collection account showing on my husband's credit. It has been over 3 years, and it hasn't been reported. I don't want them to suddenly start reporting to credit, once we contact them.
  3. My husband and I just closed on our first home last week (YAY!) I've been working on his credit for two years, to get us to this point. Well, I just opened all our utilities, and without a second thought, I opened our power in both our names (it's been in my name alone, previously) Well, a few days later we get a notice that the power company wants us to put down a huge deposit, which can be returned after 12 months good pmts. I've had that same account open (in my name alone) for 2 years, and NEVER so much as made a single late payment! So, of course, I am freaking out, and call the power company... Turns out, my husband apparently had an old bill from almost 4 years ago, that went to collections. But it NEVER showed on his credit report! We never had any clue about this bill! He was never notified, and it was never reported... otherwise we would have paid it years ago! The original balance is less than $100. Well, we want to call and get this taken care of... but I haven't called them yet, as I want to make sure I handle it the best way possible... This has never reported to his credit, and I want to keep it that way! Does anyone have any insight as to how we can get this paid and done with -- without the CA reporting to his credit? I swear, I thought I had helped finally dig my hub out of the credit mess, and we were moved on from it all! SO frustrating to have this old stuff keep popping up...
  4. Thanks so much! I am in serious need of that positive feedback! Here's hoping, like you, we'll be in our house soon, and this will all be a distant memory The sellers have already asked if they can stay in the house an extra 10 days after closing, and "rent" from us, plus they are moving out of state... so I'm hoping that means they will work with us, if it does come to changing the closing date. I'm sure they don't want to have to find a new buyer!
  5. Thanks Whychat! I wish we had more time, as I would definitely try your method. Sadly we backed ourselves into a corner and have to get something done quick! 750- your experience is super helpful, thanks for sharing! I am going to be extra careful not to admit ANYTHING about a mortgage loan.... I really want to try for a pay for delete, but if we have to just settle... we'll deal. We should have taken care of this before now, but I was told by several people that we may be able to get through underwriting without doing anything, as it's past SOL for legal action and cannot affect the title. At this point, we're supposed to close in 12 days.... *sigh* Here's hoping it works out and we don't have to delay closing.... I've been so stressed about this stupid account.
  6. Yeah, I know we need a letter... and that we're in a tight spot! I'm just wondering what the best approach would be, in dealing with the creditor... or if anyone has had success in a similar situation.
  7. Well, we got the approval from our lender and we are all set to close the end of the month!!! ... with one final condition. I have posted a few times about our situation... cliff notes version- my husband has an old charge off from a car he co-signed on with his ex that was repo'd in 2008, for about $6000. It's past SOL and cannot affect the title. We were HOPING *finger crossed* that we could get through without having to pay this off... Well, the one condition on our loan, is that we do. We are super frustrated, but are ready to do whatever we need to... but would REALLY like to pay significantly less than the balance... my loan officer said it doesn't matter if we "settle" the debt, as long as the creditor updates the balance to ZERO, agreeing that it is paid in full. Question is, what is the best tactic? I would like to get this deleted, if we are paying ANYTHING, rather than "settled". Time is a huge factor... as we are supposed to close next week, so we aren't really going to be able to go the mail route and are going to have to call them. Obviously we can't let the creditor know our circumstances, otherwise we lose all leverage.... has anyone dealt with this?
  8. Well, we got the approval from our lender and we are all set to close the end of the month!!! ... with one final condition. I have posted a few times about our situation... cliff notes version- my husband has an old charge off from a car he co-signed on with his ex that was repo'd in 2008, for about $6000. It's past SOL and cannot affect the title. We were HOPING *finger crossed* that we could get through without having to pay this off... Well, the one condition on our loan, is that we do. We are super frustrated, but are ready to do whatever we need to... but would REALLY like to pay significantly less than the balance... my LO said it doesn't matter if we "settle" the debt, as long as the creditor updates the balance to ZERO, agreeing that it is paid in full. Question is, what is the best tactic? I would like to get this deleted, if we are paying ANYTHING, rather than "settled". Time is a huge factor... as we are supposed to close next week, so we aren't really going to be able to go the mail route and are going to have to call them. Obviously we can't let the creditor know our circumstances, otherwise we lose all leverage.... has anyone dealt with this?
  9. Thanks for the advice all! We're waiting it out... we're already under contract and set up close the end of the month. Going through underwriting now, so *FINGERS CROSSED* they let it slide.....
  10. Well, we got the word from our loan processor that we were approved through the automated system! She said the only thing it requested further was a letter of explanation of the derogatory items on his credit, so we are working on that now. The only other issue she brought up, was that we have two of his collection accounts that have a dispute notation. I was aware of that, and was hoping it wouldn't cause as issue... She advised that we go ahead and try to get those removed, just in case they do cause a problem. I had been researching on this site before-hand and have seen that people have had success with getting the credit bureaus to remove those notations... however my loan processor said that the credit bureaus have nothing to do with it, and we have to go to the creditors themselves, and get a letter saying that they are removing the notation... ? I am a little thrown by that, as we didn't ever dispute these accounts with the CA's, we disputed with the CRA's only. Anyone have this issue? If the CRA's DO agree to remove the notations, would the LO have to run our credit again, to reflect those updates?
  11. I sent off a pay for delete to Toyota for an old charge off... and it's coming back not deliverable. I used the address they listed on my credit report. Searching online I have come up with quite a few random addresses for them, all over the country. Does anyone have any idea where I should try sending my pfd? ARGH. So frustrated.
  12. bumping for you! I wish I had helpful advice, since, as you know, I am in an almost Identical situation!
  13. I posted a few weeks ago about our house buying dilemma... the main issue is, my husband has an old charge off from a car he co-signed on with his ex that was repo'd in 2008, for about $6000. I was asking if anyone thought we could qualify with that charge off and got several responses that we may be able to get through underwriting without paying the balance, as it's past SOL and cannot affect the title. So, we have our pre-qualification and are now looking at houses. There are several we are interested in, and are hoping we will be making an offer within a week or so.... but. I'm SO worried that this issue is going to come up and the underwriters are going to require that we pay the balance in full, in order to close. We have the money to pay it, but I would obviously much rather that go towards our down-payment. I'm wondering if maybe we should try offering a PFD now, for like 30%-50% and see if we can just get rid of it that way. I'm just worried that when if it comes down to having to pay it to close, that we won't have time to offer the pay for delete and will get stuck paying the FULL balance AND not getting it removed from his credit. Does anyone have any advice, or can anyone give me some peace of mind about the underwriting/closing process? If we don't do anything and wait, and the underwriters want the balance paid, would we still have a chance to write the OC and offer a settlement for PFD???
  14. Same issue with USAA. Been using them for over a year and then they made this switch to monthly pulls only. I wasn't doing as much with it for a few months, but now I am back at it, and I need to be able to update the reports more. I guess I'll try calling them and see if they will put me back and daily pulls. If not, I need to find a new monitoring service...

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