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Everything posted by angeliceyes22

  1. yes I'm in Virginia.....do you think navy federal would have given me a better deal
  2. please look over my numbers my closing cost seem really high I am so lost I might have duplicate charges listed. I am applying for a FHA VHDA loan with no money down but a second loan that covers my down payment. Initial loan amount:139,428.00 loan term:30yrs your initial interest rate:3.875% initial monthly amount owed for principal, interest, and any mortgage insurance:808.54 per month adjusted origination charges:2,205.30 charges for all other settlement services:8,317.67 Total Estimate Settlement Charges:10,522.97 appraisal fee:475.00 credit report fee 50.00 VHDA tax service fee:53050 flood certification fee:150.00 VOE FEE:30.00 wire FEE:25.00 mortgage insurance premium:2,398.03 title insurance and lender's title insurance:1234.14 owner's title insurance:589.43 government recording charge:100.00 transfer tax:1,837.25 initial deposit for your escrow account:546.32 daily interest charges:222.00 homeowners insurance:600.00 your charges for all other settlement services:8,317.67 total estimate settlement charges:10,522.97 Itemization of amount financed 139,428.00 loan amount 5,487.33 prepaid finance charge --------------------- 133,940.67 Origination points: 1370.30 flood certification fee 7.00 IRS transcript fee:20.00 VOE fee:30.00 underwriting fee:695.00 VHDA reservation fee:120.00 wire fee:25.00 daily interest 14.80 day 222.00 upfront MIP to others:2,398.03 attorney fee:600.00 total prepaid finance charge:5,487.33 appraisal fee:475.00 credit report 50.00 tax service:53.50 final inspection fee:150.00 home owners insurance:600.00 homeowners insurance 2 months @ 50.00:100.00 mortgage insurance 0 months @ 152.90 per month: property tax 4 months@ 161.58 per month:646.32 aggregate adjustment:-200.00 owners title insurance:589.43 lenders title insurance:459.14 title examination fee:175.00 deed:100.00 city tax stamp:701.00 state tax stamp:1,136.25
  3. What is up with Title Company's I am having a hard time getting quotes about how much the title company that my realtor recommended is charging. Same thing with my lender's title company. I am asking for them to send me all the charges in a email and the the price for each a long with the total. What's up with wanting this info how else will I compare prices?
  4. OK, Sorry, I lost track of your case. Please summarize. I have 3 collections remaining Equidata reported 03/2013 date opened 05/2011 date of service 11/09/2010 44.00 reporting on Experian only Equidata Date opened 11/2007 reported 01/2008 date of service 7/15/2007 75.00 reporting on Experian only, due to fall off in April ARS reported 08/2013 date of 1st delinquency 01/2011 date of service 08/04/2010 384.00 reporting on Experian and equifax Is it reporting as paid or unpaid on the Eq and Ex reports.?All 3 are reporting as unpaid Did the reporting CHANGE after the payment to the OC??both Experian and Equifax verified and sent me the updated credit reports in the mail. IF the reporting did NOT change, then yes, send the medical DV to the reporting CA. ok will send the letter from post #51 If the reporting DID change to a paid collection , then do NOT send that letter, send this one: http://whychat.5u.co...hipaa.html#PAID What caused you to pay the OC with the HIPAA letter insert "a"??ARS sent a validation with the old acct #, correct date and amt . You said this is proof of a current relationship.(no other info given in the validation letter) What documentation did you have of a current relationship??I did call the OC and they told me ARS had the account If, of course the reporting changed to "paid" that is sufficient proof.it is still unpaid Equidata sent more info for validation insurance info and Dr name. So I paid the 44.00 I have not paid the 75.00 waiting for it to fall off. Why chat I am house hunting now I will not be able to close unless these are removed or listed as paid. I know what will happen if they list as paid but I am getting pressure from the mortgage company. So I will send the letter from post # 51 to the CA correct?
  5. Ok Why Chat I had to take a break, this is so over my head. So I send this letter to the CA. Send the reporting CA this:( 2 letters, one for Ex and one for Eq in the same certified mail envelope) Your Name 123 Your Street Address Your City, ST 01234 ABC Collections 123 NotOnYourLife Ave Chicago, IL Date: _________ CM#____________ Re: Acct # XXXX-XXXX-XXXX-XXXX To Whom It May Concern: This letter is being sent to you in response to your recent verification of a medical account on my (name of CRA) report. This is not a refusal to pay, but a notice that your claim is disputed. Please attach copies of: Agreement with your client that grants you the authority to collect on this alleged debt,or proof of acquisition by purchase or assignment. and authorization under subtitle D of the ARRA ,SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES;and SEC. 13407(1) BREACH OF SECURITY.— Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective 09/23/2013. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of; or verifying of this account on my credit reports. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities ,the BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on an account that has been paid in full and subject to the provisions of Public Law 104-191 ("HIPAA") since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. In addition the new Omnibus Final Rule states:when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information.This account was paid in full to ( name of OC)on 1/29/2014 and included this letter of instruction. I also hereby reserve my right to take private civil action against you to recover damages. Sincerely, Your Name(PRINT OR TYPE DO NOT SIGN) To this collection agency ARS (COLLECTION AGENCY) (on Experian and Equifax) reported 08/2013 date of 1st delinquency 01/2011 date of service 08/04/2010 384.00 I have already did these steps 1. already paid with hippa insert a 2. cashier check cashed and I have a copy of deposited check 3. I sent the follow up letter to the CRA after receiving green card back. 4. I sent a copy of the follow up letter to the OC legal department with the cover letter. 5. The CRA verified still unpaid on credit report. So do I send the letter above?
  6. I found a new realtor who would not have a problem with putting a offer on a short sell. This is such a stressful process.
  7. That home went undercontract with another buyer. I started looking for another realtor who will actually listen to the buyer.
  8. I found my dream home, its a short sale. Realtor doesn't want to put a offer on it she says 113,000 is to get me interested. Then when I put a offer on it the bank will come back with the real price. I say okay lets see what happens am I missing something.
  9. Why chat this creditor is only showing on Experian not on Equifax or Transunion so do I send the letter to the CA or Experian? Equidata (COLLECTION AGENCY) reported 03/2013 date opened 05/2011 date of service 11/09/2010 44.00 this is on both Exp and Equifax so I send two letters in same envelopes to the CA. ARS (COLLECTION AGENCY) (on Experian and Equifax) reported 08/2013 date of 1st delinquency 01/2011 date of service 08/04/2010 384.00 Also do you think they might update as paid? (scared it will bring my score down) One more question do I send it CMRR
  10. I thing I will try psychdoc or the nut case approach it cant hurt any.
  11. I love CB everyone is so helpful! I just pulled my score from MY FICO today. I couldn't get pre approved before because I told the loan officer that I paid the collections. He told me to call back after they updated. Its been a month in a half and Experian and Equifax have verified it as still unpaid. I guess because it was paid to the OC. So I want to see can I get preapproved now.
  12. Just finished posting everything for Why chat and I never did think about sending Verizon wireless a Good will Letter do they every delete?
  13. Hello Whychat, just a recap of where I am: I started out with 8 baddies on my Equifax account, 8 on my Transunion account and 8 on my Experian. I opted out I received my MIB report I deleted old address on Transunion I deleted old address on Equifax I deleted old address on Experian. (would not delete all but deleted most of them) I sent out my pre Hippa Letters to Transunion, Equifax and Experian Transunion deleted all trade lines This is what was remaining after all the other steps. ARS (COLLECTION AGENCY) (on Experian and Equifax) reported 08/2013 date of 1st delinquency 01/2011 date of service 08/04/2010 384.00 Paid with hippa insert A per your advise and cashier check was cashed on 2/3/2014 by the OC. Equidata (COLLECTION AGENCY) reported 03/2013 date opened 05/2011 date of service 11/09/2010 44.00 Paid with hippa insert A per your advise and cashier check was cashed on 1/29/2014 I then sent the follow up letter to the CRA asking them to reinvestigate. Of course Experian verified these items belong to me and Equifax also verified the Item belongs to me. So it is still reporting as unpaid Why chat my goal is to get a house, I talked to a loan officer and he said that as long as the collections are medical and under 1000 I can still qualify. He would not qualify me because I told him I had paid these collection. He is thinking that the collections will update and bring my score down. So he said call him back in 30 days after it has updated. Well it never updated so I'm thinking that maybe I should leave everything alone for right now and see can I get pre approved. What do you think Why Chat? Thanks again Why chat for all your help.
  14. Yes I am but I was told by a lender that medical bill were okay if they are under 1000.00. I have paid the OC but they hadn't updated and its been over 30 days. I could push the issue and file a complaint against them for not updated. But there is a chance that it could update as paid and bring my score down. Not sure what to do next.
  15. Hello every one I would like to know can I qualify for a house and how much house can I afford. Thanks in advance for any help. Credit experian 644 equifax 670 tr 693 I have 3 unpaid medical bills for 384, 44, these are from 2011 and a medical bill for 75.00 only on Experian that will fall off in April of this year I have one credit card with NFCU with a 1000 limit with utilization of 1% I have one car loan with a balance of 2700 it was only for 3000 so it is a new loan I have a paid verizon collection for 48.00 that was paid off in 2011 and 3 personal loans that was paid as agreed Income 3600 monthly Monthly debt payments 100.00 car loan Employment at current job since 2011 in the same career for 15 yrs I live in VA and I am a first time home buyer
  16. I am finding that out to Dallas, I just hope that they come off with the Hippa program. I am waiting and checking my credit report to see will it update to paid or be removed. I have complete faith in Why chats program. I am still mad about the mortgage company that told me that they had to be removed before they would pre approve me. I dont think the person I had been working with new what she was doing. I will keep everyone posted though.
  17. Thanks Brian B Wow I didn't know that I hope they come off and don't go on my report as paid, if they do they might drop my score. They are from 2010 what do you think?
  18. I have to ask this question because I have been working with a mortgage company and they won't even touch me unless I have no medicals on my credit report. Well today I checked with another mortgage company and he told me that if medical bills are under 1000.00 I don't have to worry about them. Has anyone heard of this because I've been trying to get the last three off of my report. They total 500 all together and I just payed 384.00 and 44.00 I used the why chat method so I am confident that they will come off and boost my score. But I am just wondering why the other collection agency said I had to get rid of those collections and they just wanted me to pay it. It might have something to do with being a 1st time homebuyer I don't know. maybe someone can shed some light on this for me?
  19. Hi Why chat, I have sent the Hippa insert (a) along with cashiers check to the OC and my bank says it was deposited by the OC. I am confused what to do next, do I send the next letter to the CRA and send a copy to the OC (legal department ) with the cover letter that is listed?
  20. Thanks Why chat I am putting everything in the mail today I hope this will take care of these bills.
  21. Are you saying you have NO record of this bill other than the collection notices??I do have a record of this bill with the 1st collection agency that the OC sent the bill to not ARS The letter you got from ARS is confirmation of a current relationship -- the question is -- IS THIS A VALID BILL??yes Did you have medical services on that date from that HC provider?? yes If you had insurance do you have your EOMB?? I didn't have insurance I can pay them if you think they have a current relationship with the OC. Thanks Why chat
  22. This is a small amount and under 4 years old, so pay it with the HIPAA letter insert "a" Equidata (COLLECTION AGENCY) reported 03/2013 date opened 05/2011 date of service 11/09/2010 44.00 ok will get a money order from my bank today for this one ARS (COLLECTION AGENCY) (on Experian and Equifax) reported 08/2013 date of 1st delinquency 01/2011 date of service 08/04/2010 384.00 This is the one that is on Equifax and Experian it is not on Transunion( Transunion is clear) I have checked my records Why chat I couldn't find any record of this account with ARS. I called the OC because I had to check on a current bill and they told me that the bill was turned over to a (CA/lawyer) I do have a record of this Whychat. So I don't think ARS is in a current relationship with the OC. What do you think Why chat?

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