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TXPRO4X

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About TXPRO4X

  • Birthday 07/17/1981

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    Marshall, Texas
  1. I called Ombudsman office and they are going to correct it. We"ll see in 30 days.
  2. In your case were did you also petition for attorneys fees? Im in no fault at all. Tge judge who signed the knew full well he was putting me into arrears and that I was put into a position where I couldnt have paid the correct amount. If I have to hire an attorney to make this right they shoukd be liable for the costs as well.
  3. So tge Office of the Attorney General just hit me with a fresh 30 day late Jult 1, 2017. Backstory: Since the last child support review was conducted by the OAG in 2013 my child support payment was 405.00/month. Tjis payment was auto deducted from my paycheck bi-monthly and all payments have been paid on time (I check the website twice a month to verify). Fast forward to June 2016 and a new child support review was conducted since 3 years has passed since the last onr. As soon as I recieved the letter asking me to come to the scheduled cjild support review meeting, I handed over all the paper work to my attorney to negociate for me as I have done on all prior CSR's. I recieved a phone call from the OAG's office asking why I didn't show for the meeting. I told the person my attorney is handling it and that he has been in contact with their office. I had one brief meeting in July 2016 with my attorney which resulted in him telling me money child support was going up (no surprise to me since I was making more money). I didn't hear from OAG or my attorney for a year. This entire time and order for 405/month was still in place and being paid on time. June 2017 I get served by sherriff at my home with paper work stating that the CSR has been completed and that my new payment will be 630.15/month. June 29th I check OAG website, still 405/month and current. Check again on July 16th and suddenly it shows im in arrears 3122.49. Im like wtf?? Check paper work again word for word and jydge signed order for new payment of 630.15/month effective June 2016. OAG on July 1st put me into arrears by adding tge difference from the old order and tge new order. I immediately paid the entire balanve July 17 2016 then 2 weeks later they slapped a 30 day late on my credit report effective July 1st. I called OAG and explained the entire situation and that this is not right. They said that it will be taken off. I disputed with CR's and they just simply updated with a consumer comment at tge bottom. I planning ahead incase they dont take it off. CFBP complaint?? Hire an attorney?? What course of action is best?? Im livid, ive worked so hard these past years and my remaining baddies come off 2019 and now this????
  4. First and foremost, thank you to everyone who responded. My mind is exploding with the wealth of knowledge. I had NO IDEA that credit union's were the worst places to get a mortgage. I mean i've read bad reviews about Penfed mortgages but everyone has bad reviews (can't make everyone happy). All of your comments make complete sense and I guess I should have done some more digging. The last appraisal which is from 4 years ago appraised the home at 172k and when speaking with the loan officer at Penfed, she mentioned her system pulled up close to 200k. Her parents are selling us the home at 140k and the idea was to get a loan for 170k with a gift of equity of 30k from each one of her parents so we only have to come to the table with closing costs. The loan officer at Penfed was even giving me ideas on how to possibly get the loan including gift of equity to even cover closing costs so I have to come to the table with hardly any cash. So now instead of waiting on my score to improve over 690 and going with Penfed, i'm gonna ask my gf and her parents who they might recommend mortgage broker wise. Question, is dealing with a mortgage broker going to cost me more down the line or would it be the same?
  5. Guys, its been a long journey and what seems like just yesterday I had sub 600 scores across the boards, thanks to this community I've had a lot of success. All my ficos are 670+ and are improving monthly. I'm very comfortable credit wise and have been gardening for 6 months now. I mentioned in a previous post about wanting to purchase the home i'm currently renting which is owned by an LLC my girlfriends parents and godparents own. Just to see where I was at mortgage wise I app'd with Penfed since I have pretty much every product with them except a mortgage. Spoke with a Sr. Underwriter for over an hour and half and she was VERY helpful. Unfortunately I was denied because my medium FICO was not a 690. She mentioned I was VERY close but not quite there and said to app in 6 months. She also gave me her direct phone number and email to let her know when I app again so she could personally take my application. On to my question. I still have 3 baddies on my report and probably the worst ones to have: First Premier ($412), PRC ($564) Midland (799) all of them out of SOL as of 10/2016 (Texas - 4 years). First Premier stopped updating 2 years ago, Midland reports every single month and PRC stopped reporting about a year ago. During my credit repair journey, I made every single mistake you can think of and thank god that I was never sued. I poked and prodded and kicked and did everything I could to dispute and have those 3 removed prior to SOL and nothing. Now that they are all out of SOL, what would be the best course of action (IF ANY) that I could try to have these removed. I'm sure getting these last 3 off would get me where I need to be mortgage score wise to get approved with Penfed. At the same time, I'm thinking, would it also be best to just wait them out as they are all due to drop off 10/2019.
  6. Guys, its been a long journey and what seems like just yesterday I had sub 600 scores across the boards, thanks to this community I've had a lot of success. All my ficos are 670+ and are improving monthly. I'm very comfortable credit wise and have been gardening for 6 months now. I mentioned in a previous post about wanting to purchase the home i'm currently renting which is owned by an LLC my girlfriends parents and godparents own. Just to see where I was at mortgage wise I app'd with Penfed since I have pretty much every product with them except a mortgage. Spoke with a Sr. Underwriter for over an hour and half and she was VERY helpful. Unfortunately I was denied because my medium FICO was not a 690. She mentioned I was VERY close but not quite there and said to app in 6 months. She also gave me her direct phone number and email to let her know when I app again so she could personally take my application. On to my question. I still have 3 baddies on my report and probably the worst ones to have: First Premier ($412), PRC ($564) Midland (799) all of them out of SOL as of 10/2016 (Texas - 4 years). First Premier stopped updating 2 years ago, Midland reports every single month and PRC stopped reporting about a year ago. During my credit repair journey, I made every single mistake you can think of and thank god that I was never sued. I poked and prodded and kicked and did everything I could to dispute and have those 3 removed prior to SOL and nothing. Now that they are all out of SOL, what would be the best course of action (IF ANY) that I could try to have these removed. I'm sure getting these last 3 off would get me where I need to be mortgage score wise to get approved with Penfed. At the same time, I'm thinking, would it also be best to just wait them out as they are all due to drop off 10/2019.
  7. APP'd 30 DAY, 2 days later logon to Chase APPROVED 5k 664 FICO. Funny thing is I've had a $500 CL Chase Amazon Rewards for almost 2 years now and haven't been able to squeeze a drop out of them and BAM they give me a 5k limit? LOL
  8. Since day 1 of being a member here, i've always been under the assumption that you could only get a mortgage with clean reports period. I mean yes, you could get pre-approved and before the closing, any baddies on your reports would need to be paid in order to proceed. I'm 2.5 years away from clean reports and I started my rebuild back in January 2015. Most of my accounts are now 24 months old and all are current. My fiance's mother and father are part owners in a real estate LLC with her god parents. Their business has roughly 8-10 properties that they rent. The godparents are the one's with the money and my fiance's parents pretty much collect rent and do all the legwork in the business, call it sweat equity if you will. Back in January 2016 they evicted the tenants of one of their properties. Her mother basically did everything possible to get us to move into it and lowering the rent from 1200.00/month to 800.00/month to get us to move in. After some resistance on my part, we moved from our little shoebox of a duplex into this almost 3000sqft 2 story house on about an acre of land. The LLC purchased the home as a foreclosure back in 2011 for 110k and have showed interest in selling it to us. In 4 words, WE WANT THIS HOUSE! They are offering to sell it to us for 140k and the house's last appraisal back in 2015 appraised at 172k. They offered to owner finance it to us until my credit was clean in 2019 (This was back in October 2016). With that verbal agreement me and fiancé have both made improvements in the house (nothing too major, some paint, tile etc). I urged my fiancé to revisit the whole owner financing with her folks and suddenly there is no recollection of the agreed deal back in October. Instead of blowing my top I let her handle her mother and she's been working the situation out. Sorry to have taken so long to get to the point but I wanted to give all the information available. I'd hate to lose out on this crazy deal on this house and want to jump on it asap. I no longer wanna do owner financing as after experiencing that whole scenario my trust has gone out the window completely. I still have 3 baddies on my reports which won't fall off for another 2.5 years. My medium score is 667 and my utilization is now down to 7% out of about 90k and I make about 45k a year. Is there NO way that I can get a mortgage for this house now without paying those baddies off? I don't mind paying a higher rate for now as I'll be able to easily refinance after reports are clean. I just feel and my fiancé concur's that if I came to them and said that i'm approved for 140k right now that they would jump on it fast. I wanna get this house in my name as soon as possible before they go changing their mind on other things. Lastly, yes, if the deal doesn't go down as agreed at 140k I walk. Meaning i'll just keep renting this house till my credit is clean and go look for something better. But while I possibly have this awesome deal in front of me I want to get asap because this house is perfect for us. Fiance's credit is trashed right now as she just discharged from BK 1 month ago. Mine credit is the only decent credit we have for now. So now that you have the whole story, what are my options and or advice? Any advice that doesn't have to do with doing anything whatsoever with the godparents or fiancé's parents, solely on my own.
  9. Skeeter if yoyr going for a new car or auto loan I would def pull the trigger.
  10. Rakurai, no probationary period but many have said Penfed has a long memory and joining with bad reports has an adverse affect even when you later have clean reports.
  11. Ill preface this thread by telling everyone thats been working diligently on the rebuilding process DO NOT GIVE UP! NO MATTER WHAT YOU DO! HARD WORK DOES PAY OFF! I started off with 580 FICOS across the board and currently today sit 669, 672 and 659 with 3 baddies left, MIDLAND, PRC AND First Premier all SOL and a little over 4 tears old. I made the mistake and joined Penfed with a dirty report and opened a savings and checking but after a while was given the Thrifty Credit Service for 500.00. I used it several times and always on time and paid in full. Have run 80% of all my money through Checking and Savings and 6 months ago, broke through and reconn'd with SUCCESS an auto loan refinance for my 2015 Nissan Frontier PRO4X. Have made all my payments ontime and even early. Recently me and my wife finished paying off her 2012 Nissan Altima SL and came across an Audi Q5 with only 35k miles that come to find out had been sitting on the lot for 6 months. In my area no one hardly is looking for luxury SUV's, they are buying big trucks and SUBURBANS. The Q5 was days away from heading to auction and after negociating, we literally stole this Q5 valued at 30k all day for 23.7k, had to jump on it that second. Wifes recent BK discharged 2 months ago only gave us 2 options at dealer financing, Compass Bank at 5.06% with 2k down or Capital One with 0 down at 8.08%. We went with Capital One at 8.08%. The second there was an acct number generated I submitted a refi with Penfed and was APPROVED over the phone with 0 hesitation for 3.34% at 72 months!!!! I was speechless. A week later my familys 24 year family business for which I pretty much run the day to day operations on recieved an invitation for the Amex Gold Business. While paying bills and getting all invoices generated, figured, its been 7 mo ths since my last app, what the hell, filled it out, INSTANT APPROVAL, Im finally in with AMEX on my very own!!! Figured, hey, lets see if my luck continues, app'd NFCU Platinum (Have check, savings and Cash Rewards CC already all 4 months old) INSTANT APPROVAL $5200!!! So I got home today and figured id app for one more thing. Ever since we moved into our new home this past year I did go over board and slipped up a little and spent about 17k on new furnishings, new paint, tile work. Ive been diligently paying it down and had it down to a little over 10k as of today. (3 capital one cards and cash rewards NFCU). Put in app at my go to PENFED for a 10k Debt Consolidation Loan, just checked, APPROVED!! Check is in the mail!! So im proof that you dont have to have clean reports for Penfed to show you some major love, just use their products and have activity going through your accounts. Sorry for the long post, just completelt speechless at how awesome the past week has been to me.
  12. I've been reading a lot about the almost certainty that AMEX SPG program is all but dead. My sister just got tge card 3 months ago and has 26,444 starpoints. My question to all of the experts is, what would you recommend she does with these points? She has an AMEX HHonors that she's 300 bucks away from earning the 75k points on that card. Lastly would it be better for her to transfer the SPG CL to HHonors now that she has the points? Which route would be best to maximize rewards?
  13. So its been a loooooong 4 years but i've made it in one piece so far. At the end of this month the SOL runs out on all my negative accounts. Before I ask my questions, below are the negatives and where they are reporting. First Premier Bank $425.00 - Reporting on EX, EQ, TU (They haven't updated since December 2015 Midland Funding $799.00 (GE Capital Retail Bank (Walmart) - Reporting on EX, EQ, TU (Updating every month on EX, Not updating at all on TU and reporting OPEN Account, and reporting current on EQ as of this month. Portfolio Recovery Associates (Capital One) - Stopped updating on EX July 2016, Not updating at all on TU and reporting current open account, deleted from EQ My scores as of today are EX 661 TU 659 and EQ 672. As soon as the SOL runs out in a couple of weeks I had planned to take aggressive action and do whatever possible to try to get these deleted. I'm needing advice on how to attack these or IF I should even bother. I'm sure the minute I start poking this crap that my scores may tank again, I don't know yet. Also, I do have the funds to pay all 3 however since I pretty much have the TRIFECTA when it comes to the worst of the worst, a PFD on anyone of them is a pipe dream at this point. Which leaves me wondering, should I throw some money at an Attorney that specializes in this stuff to challenge any of their reporting? Again, i'm just brainstorming, haven't done anything yet. Any feedback is much appreciated. My end goal is to purchase my first home, the one I live in currently. The owners may be going through Bankruptcy in the near future and the LLC that owns my home and 8 others may be on the chopping block. With that being said, the option to purchase is on the horizon. Thanks in advance for any and all feedback.
  14. Since NFCU is running a promotion, I got my sister to join them. She was officially a member as of yesterday. She has not yet funded her account. She just recently recieved an Amex SPG account and she needs 3k spend for the points. If she uses her card to fund her account, will it count towards the 3k spend or not? Trying to see if she can deposit a quick 3k in her account to get the points.
  15. Paid it off and paid my savings account back. I didn't like it but it was the smart move.
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