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Cherylbelinda

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  • Content Count

    17
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About Cherylbelinda

  • Birthday 12/26/1961

Profile Information

  • Location
    Georgia, USA
  • Interests
    Love peace credit
  1. Thank you. I will. I Will Look at mod again about credit. They told me today they are looking at title and maybe another appraisal.
  2. Hello everybody. I applied for a loan modification last spring and was given the okay to make trial payments for June July and August. I have been making those payments on time and every time I call the mortgage company they tell me they are still processing the arrangement. In the meantime I have been reported as late to the credit bureaus and it has taken my score down. I came to this forum and got some great information and that information led to me buying my house which is this house. Additionally I have been making credit card payments and never missed any payments. I have wa
  3. My daughter and I were looking for a car for this weekend and her credit didn't qualify her. The dealership the company Santander which I know has a bad reputation. In the end they found a car that my daughter thought she would like but the catch was that we would have to tell the lender that the car is fully loaded and it is not that we gave them money as a down payment which we still have not done and will not do because I understand all of this to be Bank fraud. Does this story sounds familiar has this happened to anyone else?
  4. They didn't then. It's all done now. I got big packet weeks ago about the lovely bushes and trees that I have to pay tax on and maintain so my subdivision and code enforcement will smile upon me.
  5. hey y'all, it is with great regret, tears and anger that i come to you all again for advice. i was approved for the loan modification. mortgage went from 900 to 700. made first payment aug 1. two more to go, now, remember the lots i told yall about? well when i bought the house the realtor told me that the place came with two lots *(really just a bunch of bushes). i assumed that was all included in my property taxes. well it wasn't and the investors who owned the house had done a quit claim of the property to me, but they did not change it to my name so i got no tax notices or a
  6. Hi everyone a couple of years ago I joined this for forum and it's been a godsend to me. My first question was about getting a mortgage approved with bad credit and I got my mortgage. I've been in my house a year now. I screwed up by doing the shopping cart trick and wound up with a bunch of Comenity cards. For two years I've held everything together until last year when I went into the hospital with trouble breathing and come to find out I had bilateral pulmonary embolism. Blood clots in both of my lungs. Doctor say they usually don't find out that the clots are there until they do
  7. Ok, Thank yall for the help. I am going to go and use WHYChat's procedure. I forwarded the changes to mortgage company and they said oh. This morning I received conditions doc from them and sent more documentation. My app is headed for underwriting once the appraisal is received. So scared. You know, people on this board are always trying to help each other out. I wish that people would treat other the same out in the actual world. God Bless!
  8. HELP! I am in the underwriting process of applying for a mortgage. Today,I received a notice from my credit union credit monitoring system that two new accounts were added to my credit file. I subscribe to transunion credit monitoring and they didn't have it showing in it's entirety yet, but something was there. They are two medical collections accounts. I went back and looked at old credit reports and found that these accounts had been on my credit report back in 2014 but for some reason they were gone. Now as I try to become a first time homebuyer here come these walking dead a
  9. HELP! I am in the underwriting process of applying for a mortgage. Today,I received a notice from my credit union credit monitoring system that two new accounts were added to my credit file. I subscribe to transunion credit monitoring and they didn't have it showing in it's entirety yet, but something was there. They are two medical collections accounts. I went back and looked at old credit reports and found that these accounts had been on my credit report back in 2014 but for some reason they were gone. Now as I try to become a first time homebuyer here come these walking dead a
  10. HELP! I am in the underwriting process of applying for a mortgage. Today,I received a notice from my credit union credit monitoring system that two new accounts were added to my credit file. I subscribe to transunion credit monitoring and they didn't have it showing in it's entirety yet, but something was there. They are two medical collections accounts. I went back and looked at old credit reports and found that these accounts had been on my credit report back in 2014 but for some reason they were gone. Now as I try to become a first time homebuyer here come these walking dead account
  11. Wow! That was fast and thanks you all for your honesty. Initially I was approved and my Middle score was 640. A lot of things fell off and I only had 4 collections which are medicals one of which was a 1200 dollar ambulance ride the others were less than 100.00 I keep up with credit reports and I now am sick to my stomach when I see my report. I am trying to work out a deal with collection agency to pay and get the 1200 charge and have it removed. I will definitely heed the advice you wonderful souls have given and get myself out of this jam. One thing I wanna say is that at
  12. Hi there. 54 year old grandma fell on hard times in 2008 after sickness and job loss. I really felt life was over for credit until the house I was renting went into foreclosure. Long story short I started to do things to rebuild credit such as secured cards. I got three and then my scores went up and I got preapproved to buy the house I live in. One day I learned of shopping cart trick and I fear I may have messed up again. None of the cards are maxed out or anything but I have a lot of them . Worried it may mess up approval for mortgage. Myc scores after these cards Eq 583 Tu 59
  13. This discussion board has been so helpful to me, but i have a hard time maneuvering and finding things.
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