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Cherylbelinda

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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 watched my credit score decrease through this whole process. As a matter of fact it has plummeted. My creditors have decreased my credit limits and some of them have closed my accounts. The accounts that were closed are accounts that had not used. These accounts were Comenity and Synchrony Bank. At this point, I just want to make sure that I keep my house. I have been paying those bills every month and going without things I needed so that my credit would continue to improve. I mean I pay all my bills on time I have a lot.debt to income ratio is out of whack however once I started reading information on credit boards, I worked very hard to keep my commitments. I I don't want to take advantage of any kind of situation but at this point I will begin making sure that my needs are met and continue to pay my credit card as best I can. I mean I feel so bad for doing all the things the right way and still not having any success. Any suggestions?
  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 anything. i guess the tax office came after them and then everything was turned over to me. the tax office did find fault with them for not changing the name and turning the paperwork over to me. now. i have managed to get late on four accounts and its like i have stolen a child. i have never been late and never skipped a payment. all of a sudden i get calls all day from spoofed numbers (synchrony bank cards) i talk, chat and make arrangements all day and still they keep calling.) i have been struggling to make the payments on those cards every month even going into overdraft to pay them. i'm tired of the hustle. tempted to file chapter 7. any thoughts or comments? one more issue i signed up for the credit protection debt cancellation program from them and filed a claim for my second bout of blood clots and they denied the claim even with information from the doctor and everything. i know, i know. i am a real goof ball.
  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 the autopsy so God really blessed me on that. Well right now I was having problems making my mortgage payments I never was late by 30 days but I wound up paying my mortgage on the last day of every month. While that was going on I submitted paperwork for a loan modification and the modification starts August 1st. I miss my June payment and I missed my July payment. Additionally when I bought this house I also became the owner of the two lots next to it and did not know that they belong to me until I got hit with a big property tax bill for those lots and it took me off balance for everything I needed to do for this month. I paid the property tax, I paid my utilities, and I paid a few credit cards. I had to let the other bills get behind and now I just feel bad the anxiety is just making me sick to my stomach. With the new mortgage I can make it. My mortgage has been reduced by $200 and that helps a great deal. The modification is for August, September and October and beginning November the 1st it will be final. I would just like to ask you guys what do you think I should do? just do the best that I can as far as the other bills go? the only one that's reported me to delinquent is the mortgage company but I was told that would be expected during the modification process. As far as my other accounts, I'm not 30 days behind I'm only late at this point. I guess I just need some encouragement to tell me that I can get out of this and everything will be all right. I'm going to work my hardest to overcome this now I just need some information and encouragement to get back on my feet. God bless any of you who have some positive responses for me thank you.
  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 accounts. Please advise what i can possibly do? I am crying because i have spent money on appraisal, home inspection, earnest money and I really want this house.
  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 accounts. Please advise what i can possibly do? I am crying because i have spent money on appraisal, home inspection, earnest money and I really want this house.
  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 accounts. Please advise what i can possibly do? I am crying because i have spent money on appraisal, home inspection, earnest money and I really want this house.
  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 one point in my life my credit was A1 and after being in a bad place for so long getting those cards made me feel better about myself, but now that buzz is gone and I feel like a loser. I have to be positive now and do all I can to get the house. This is a small thing to a giant. I will overcome this. Forgot to mention Amazon for 1200 Also I am retired because of health and my income is Pension.
  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 599 Ex 649 Here are cards and limits Sdfcu visa 300 Fnb visa 300 Capital one platinum secured 300 Capital one venture 500 Kohls 300 Newegg 500 Walmart 1000 Evine live 400 Victoria secret 250 Marisota 250 Simply be 250 Hsn 750 Overstock 750 Lanebryant 300 Ashley stewart 300 Pier 1 750 I am embarrased, but I couldnt/wouldnt stop applying My utilization is 25% I want to get a house soon but now shame and terror have me filled with anxiety. Sould I close the accounts or garden and restrain myself?
  13. This discussion board has been so helpful to me, but i have a hard time maneuvering and finding things.

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