LohaLonnie

I don’t think they will have a negative effect unless there is an early prepayment penalty stated in the contract.

Why no just have the banks to manual under writing to get the clear financial picture of you instead of the decision being left to a computer algorithm?

Just a quick question on how to proceed. We have signed a contract in order to purchase land. Our realtor gave the signed contract to the sellers' agent to look over and sign. The next day before the 2 hours were over on the sellers to sign - the sellers' agent said they had a cash offer. Of course we were stunned because we have been working with them for a weeks. The crazy thing is the listing is still posted on MLS, Realtor, tax accessor site, and the sellers' agent's own site as active and not pending. We are going into our second week of the listing still showing as active. We hope the agent didn't tell us there is a bogus cash offer to back us away from purchasing the property. Our realtor has contacted the sellers' agent and just crickets. How can we proceed on going into contact or just making sure there was a legitimate cash offer.

Where can you find your actual credit score. I used the Experian score model when purchasing my car but when the dealership pulled my score (Experian) it was 75 points lower. Now were in the process of buying land, but before I submit the loan application - where could I find my score that is close to my actual score?

@8ball Thank you for your reply. This really sums it up. Thanks

If this is not the right forum, please move. Thank you! Hello, We have found 5 acres of land and wanted to see is it possible just to buy this land with a USDA loan. We will not start building until its paid off. I have only seen where you buy the land then build the home through USDA. This is not the route we want to take due to the restrictions on the home size. Is there somewhere within USDA that states for buying land only? Thank you

Hi Why Chat, Yes, this account is still reporting. Apparently I still owe on this account even though I wrote a check with the account number and the check was cashed by the OC. Unfortunately, the check was used for another account and not the account listed on the check. I will certainly pay that account as you stated and hopefully the OC will contact the CA and remove this account! Thank you Why Chat

Hi Why Chat! I recently contacted an OC today that had a medical account sent to the CA as I have not heard at all from the CA concerning this account. I wanted to get your next steps on this particular situation Back in 2017 I wrote a check for $116.00 to the OC when I received the first letter from the CA (I travel a lot for work and simply forgot) I physically went down to the OC to pay the account and listed the account number on the check. The check was cashed by the OC. A month later I received yet another letter from the CA for the same account and have been trying to dispute with them ever since because this account was paid for. Now today I find out from the OC that the check that I wrote was used for another balance instead of the one that was listed on the check. All this time I thought I wrote a check for the account listed on the check. So I wanted to ask your opinion in the Why Chat method to take next? Thank you Why Chat

Thank you WhyChat. I will follow up soon!

I know that it would have not been a government facility as I was no longer an Air Force dependent at that time. And yes, all statements say 2014.

Hi Why Chat, Yes, I have followed all the steps and even Equifax asked to send in Identification to prove my identify. After all of these steps, one response from a CA (non from the other two), and all three of the CRA's stating that they debt is verified, I don't where to go from here. Would I need to send out another DV to the CAs who have not responded (and even another one DV with the lack of information) ?

Hello Whychat, I needed to find out the next steps to take regarding collection agencies not responding to my initial dispute letter. I have done all the steps and sent out the dispute letter to the CA and heard back from only one. The one that responded only sent me vague response of what I owed: Patient Name: LohaLonnie Date of Service: July 2014 Account Type: Medical Debt Amount Owed: $1914 I also have two other collection accounts (one including the exact same amount listed above) but have not heard anything from either of them. Hopefully I followed your method right. When I did not receive a response from the CA I sent the CB a letter stating no response from the CA’s listed on my report. The CB’s then reviewed my disputes and said the CA accounts are indeed verified but I have only hear from one. Question - What are my next steps to: 1. Receive the proper/more documentation from the CA that did respond 2. On how to proceed with the CA’s that did not respond and all 3 CB’s are reporting that the accounts are verified? 3. Find out which account is accurate when it is reporting the same amount of $1914 Thank you in advance, Whychat

Credit utilization is not an issue. Current DTI (without collections) not an issue either. Its just 3 collections that both the CA and credit bureaus cannot seem to verify that these account do indeed belong to me. And 1 collection account that was paid a month prior to the OC and still ended on my report and provided proof that it was paid to the OC. It would seem to me if I can remove these 4 accounts that my score would increase but wanted to see if removing the late's may help as well.

Yes, I did speak with a mortgage company. He mainly addressed the collections that I have (that I am currently disputing with the Whychat method) and mentioned the late payments with Capital One Auto that happened in 2014/2015. One these are removed (collections/late's) then my score can increase.

Sorry - I did not mean to say pay for delete. I mean GW letter. I saw another post and wrote that.