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ronkar

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  1. ronkar

    Mortgage approval

    Yes they are mortgage FICO. We have gotten an fha approval through automated underwriting. Wish us luck on rest of process. Sent from my iPhone using Tapatalk
  2. Does anyone know who does financing of manufactured homes over 20 years old in NC? Sent from my iPhone using Tapatalk
  3. ronkar

    Mortgage approval

    I have our FICO scores now that a lot of updates have been made. My husbands scores are: EQ-674, Ex-698, TU-720 which would average to a 697 My scores are: EQ-668, Ex-681, TU-705 which would average to a 684. Scores aren't as bad as I thought. Should we be able to get a approval? Thanks
  4. It was FHA I believe. Sent from my iPhone using Tapatalk
  5. ronkar

    Mortgage approval

    Well the deed-in-lieu. Also on mine inquiries. We just took out personal loan to pay off all credit cards which some still haven’t hit our records yet. There’s been nothing late besides the mortgage in years. Our scores have been rising as credit cards show paid off. We also have a car loan less than a year old but our car was dying so we had to get a new one. Sent from my iPhone using Tapatalk
  6. We have found a home we’d like to buy. We will be 2 years out of a deed-in-lieu on April 30. Is it possible to get a USDA loan? Is it possible to get a regular mortgage? Some places say 2 years some say 3. I have not paid for my FICO scores yet. But my husbands Equifax is 656 and mine is 605. Any advice? Sent from my iPhone using Tapatalk
  7. No have not bought Fico yet. Got from Equifax. High credit balance and new car purchase. Sent from my iPhone using Tapatalk
  8. Is it 2 years after a deed-in-lieu before you can get a new mortgage? We had a deed in lieu may 5, 2017. My score from Equifax is 601, husbands mid 600. We would only have 2% down. Is there any programs out there for us? I have not paid for FICO scores yet because we still have a little time til we could qualify. Any input appreciated. Sent from my iPhone using Tapatalk
  9. That's what I was afraid of. So should I let it lie?
  10. I did make the payment on 1/31/13 I believe. I have received validation from the CA. Cach is using JA Cambece Law Offices and I don't think they are licensed in NC. I couldn't find them in looking up via NC Licensing board. I'm having trouble figuring out if it is out or within SOL. I don't plan on paying them, but don't want to do anyting to have them sue if its within SOL. Like I said I couldn't find a license for this Law Firm acting as collection agent.
  11. I live in NC. I have an account with GE Money Retail Bank for a select comfort (sleep number) account that was sold to Cach LLC. OC looks like this on CR: Account Number: XXXXXXXXXXX Status: CHARGE-OFF Account Owner: Individual Account. High Credit: Type of Account : Revolving Credit Limit: $3,500 Term Duration: Terms Frequency: Date Opened: 07/01/2007 Balance: $0 Date Reported: 06/25/2012 Amount Past Due: Date of Last Payment: 10/2011 Actual Payment Amount: $164 Scheduled Payment Amount: Date of Last Activity: N/A Date Major Delinquency First Reported: 05/2012 Months Reviewed: 59 Creditor Classification: Activity Designator: Transfer/Sold Charge Off Amount: $2,504 Deferred Payment Start Date: Balloon Payment Amount: Balloon Payment Date: Date Closed: Type of Loan: Charge Account Date of First Delinquency: 11/2011 Comments: Charged off account And the Cach looks like this: CACH, LLC Agency Address: 4340 S Monaco St Second Floor Denver, CO 802373485 (877) 248-8343 Date Reported: 01/2015 Date Assigned: 06/2012 Creditor Classification: Banking Creditor Name: GE MONEY RETAIL BANK Account Number: 12001793XXXX Account Owner: Individual Account. Original Amount Owned: $5,322 Date of 1 st Delinquency: 11/2011 Balance Date: 01/2015 Balance Owned: $4,122 Last Payment Date: 31/01/2013 Status Date: 01/2015 Status: D - Unpaid So that last payment on 1/31/13 - did that restart the SOL clock in NC? Cach has a Cambece Law Office sending me a letter asking for $5321 now. Sorry this is so large but don't copy and paste here often.
  12. The services were given starting the end of January and continued on and off over the year. She received a letter in the mail from them just yesterday. I told them they needed to get a copy of each of their reports to see if anything had hit on their credit yet. I will help them start on your program and will report back. Thanks, Why Chat.
  13. No just wondering. Cause like I said I've never had that happen before. So guess they just need to start with Why Chat's process. Thanks
  14. Even though it says she is the responsible party. That's messed up. I've never had that happen to me for my kids bills but I wasn't in WV either. They can screw up both their credits and of course they just bought a house. Thank goodness they already closed on it. Has anyone had dealings with Fidelity? She said their call was Fidelity Property so they must have a collection branch and a property management branch.

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