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  1. Not mentioned is that every financing application I have ever seen also clearly has a question on there: Have you recently filed or are you planning on filing bankruptcy in the next 30-180 days Or some version of it. To answer NO then file could be considered fraud by the BK trustee. To answer YES means no lender will underwrite the loan.
  2. This needs to happen for all services. It is patently unrealistic for patients to not understand that if you have Xrays or lab work done (emergency or not) that there will be secondary bills from a radiologist or pathologist interpreting those tests to issue results to the ordering physician that generate bill(s). It is also patently ridiculous that patients get hit with a shocking out of network charge for those contracted services when they have NO choice on who does the readings and whether it is a contracted service or not. Especially in an emergency setting. If you are having chest pains and go to the ER and need emergency bypass and the only surgeon is out of network there are already policies and laws in place to prevent charging out of network costs when the patient has no options in a TRUE medical emergency. However, if you need elective surgery and CHOOSE an out of network surgeon it is no "surprise" that the costs are more and you bear them for making that choice. The major issue isn't as much "surprise" billing as patients who make NO effort to understand their coverage and how to best use it for their health AND financial benefit.
  3. Without knowing some specifics about why your credit is "not that good" targeted advice is impossible. In general mortgage lenders look for a low debt to income ratio, a decent credit score: the higher the score the better the interest rate, as well as income/source to name a few items. Charge offs, judgments, liens, late payments are all going to be issues that a lender is likely to have major issues with.
  4. Under the FDCPA they do not have to respond to a DV letter now. The FDCPA only requires they respond if you send it within 30 days of their FIRST contact to you to collect the debt. Finding it on your credit report or engaging in credit repair does not obligate them to answer you. Now PRA most likely will because as @centex said they have the leverage. If the SOL for suing you has truly expired then I can guarantee you that the last quiver in their weapons cache is to report to the bitter end. They will not stop reporting simply because you send a DV letter after you reject their settlement offer. If you look at PRA's website they do delete after a debt has been settled and paid. Make an offer and negotiate until you find a number you can both live with.
  5. While an active judgment is always possible I have seen anecdotal evidence on other sites that these "mediation" firms have partnered with the scam collection agencies to defraud consumers out of their money. They are using the mediation tactic to make it appear less threatening and more favorable to the consumer just to get money out of them. I chalk it up to being no different than "we can settle this matter today for X amount of money" and then they add your name to the list of suckers and repeat. The only other time i have seen it is when the person getting the letter has been sued but not served. They hope that both parties will pay them to mediate it rather than go to court. Either way I would not hire them and would make moves to ensure there was no active judgment or lawsuit then ignore them if there isn't.
  6. Without knowing what state/area the OP is looking for housing in it is hard to say what tactic might work to secure a rental. Unfortunately in many places now what used to be effective for credit issues in renting no longer is due to sky rocketing demand and low to no inventory. Here in Las Vegas after 2012 if you paid a larger deposit to ANY landlord you could get a great place with decent rent and horrid credit. They over looked a LOT after the housing melt down and recession. Today: ain't gonna happen. The demand is SO high that they can pick and choose who they want to rent to and ANY credit blemish gets you tossed aside for the 6-12 applicants with stellar credit who were unable to buy a house due to the competition in that market. The apartment I left back in March when I bought my house had a 60 day notice. My unit was re-rented within 3 days of turning in notice. They are at 100% occupancy and have a waiting list. Worse: some states like NV do not have laws on the books limiting what they can charge for application fees or how many applications they can take. I read an article yesterday about how it is becoming a major problem here and in other states with landlords taking multiple applications for the same unit at a cost of $50-200 per application knowing the unit is already rented or that the person won't qualify. Few states have laws that do not allow a landlord to continue taking application fees like that and let them line their pockets. Some recent renters reported spending $800-2000 just in application fees alone before getting locked into a lease. I am going to go with the suggestion that you put your belongings in storage and rent a room until you can work this out. Not only could you get a better place to live without the credit worry while you deal with it but could actually save some money up again too. Edited to add: also the small landlord market is drying up in many areas due to the moratoriums on evictions making it no longer financially sound to remain a small landlord and/or the demand for sales with lofty sales prices making selling way more attractive than renting. Getting a work around on renting a place isn't as easy as it used to be with the demand on both markets.
  7. Lets start at the top: first if it is something you read on the internet with a cut and paste letter guaranteeing to remove accurate information from your reports to improve your score to 800: IT IS FALSE. Next: "charge off" is merely an accounting term. As long as the creditor reports the account as charged off with a zero balance it is accurate and it can/will stay reporting. There is absolutely NO requirement they remove an account from a consumer report simply because it is no longer considered an asset i.e. has been charged off. Last: you used the phrase "recent charge off" in your post. How recent is this charge off? Since banking regulations require that a defaulted account be charged off at 180 days maximum from the DOFD that would make the account approximately 6-12 months old. Most states have a statute of limitations way longer than that. The minimum SOL for lawsuit is 3 years on debts some states are as long as 10 years. Engaging in credit repair on a recent charge off that is still ripe for a lawsuit to collect will likely only fast track the creditor straight to the clerk's office to file against you. Without knowing when you defaulted, who the creditor is that is reporting, and the state you reside in the best advice right now is DO NOT SEND THAT LETTER. (or any other attempting removal)
  8. Chill. Get a Margarita or Martini and watch the sunset. This is absolutely NORMAL and temporary. I bought my house back in March. Made 2 payments and loan was transferred to another lender. First mortgage company reported as closed and score dropped about 30 points. Took about 60 days for new servicer. Once it did score went up 60 points. It actually ended up working in my favor how the reporting went. You will be fine.
  9. Not only paying interest but the cash advance fee could be as high as 3% of the advanced amount. In addition to the interest and fee(s) there is another potential consequence. Whether you use multiple cards or one with a higher limit you run the risk that sudden large cash advance(s) signals financial problems to the creditors and they balance chase or close your accounts outright out of concern you are about to implode. This is a really bad idea.
  10. My understanding with EX is if the address is tied to any account that is reporting it stays no matter how old it is. They are the one bureau who won't budge.
  11. Ignore it. They are bot auto contacts. I get the same emails from CITI on my BB account and it was annoying me too until I saw one phrase in all of them: "if you have already made a payment please ignore this email/text/whatever".
  12. 1. Of course. VA loans don't require any money down but you have to have served in the military and can't have a dishonorable discharge. 2. Yes but that doesn't mean it is always a good idea. 3. Making a major purchase that requires financing IS leveraging your credit. Be very careful about financing a home to turn it in to a rental property. Especially in Hawaii. With the covidiocy and the numbers of renters who are flat out refusing to pay as the moratoriums keep getting extended you could quickly lose the property if you end up with a bad renter who not only stops paying but trashes the place. Another problem is many loans now have a restriction on doing this in order to get the best terms. The VA loans specifically state they are for your PRIMARY residence and you have to attest in writing that is why you are buying the home. Financing a second home as a rental has a very different process and probably rates too. I am not an expert but I am sure that FHA and other government run loans don't want to get in to the rental secondary homes market with the way things are currently.
  13. 1. Possibly. 2. If you negotiate that they don't report ever prior to paying: no. If you pay first and don't negotiate not reporting or deletion if it has already reported then it likely stays. The key is to get the terms agreed upon prior to paying. Once you pay you lose leverage. As for settling: debts tend to rear their head and bite you in the credit behind at the worst possible moment. If you can settle this for a satisfactory amount and no credit reporting it is best to take care of it now.
  14. When it comes to medical debt the bill is in the name of the patient except when the patient is a minor. Health care would be a marital responsibility legally meaning both spouses are responsible for the debt. The difficult part is regardless of what HE agreed to the lab or medical provider is not a party to that agreement even if the court ordered him to pay as part of the divorce decree. This is why couples who are divorcing need to make every move to protect their credit as best they can on the chance the spouse does not do as they are supposed to. Did he sign the financial guarantee at the lab? That might give you some leverage? Was he ordered to pay in the divorce? Your only route to getting this deleted vs sued since it is care received last year may be to settle with the lab and go after your ex-husband to get it reimbursed.
  15. I just stayed at a Hilton Curio Collection hotel recently and went back and looked at the folio: no charge for the credit card use. It doesn't seem right that to book the room you have to give a credit card to hold it but then they want to charge you the fee for doing as they demanded.
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