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  1. OP, I feel your pain. I'm not with Citi, but I have a Fannie loan on a PHH serviced note. It's been in "trial" status for 11 months. At month 3, despite me using an overnight, signature-required service for the payments, they intentionally posted the payment as received on the 16th (they signed for it on the 30th of the month before). According to the docs, this one misleading posting gave them unlimited time to sit on the application, instead of having to deliver a denial or permanent mod within the first 3 months. For the 5 months since December I've been calling and, after being routed through what seems like every CSR in the world, all I've been getting is, "It's been approved on our end. We're waiting on approval from the treasury department. Please continue to send in your payments." I finally get why people walk away. I'd love some guidance from anyone who has had success, with any servicer.
  2. The people on the phone are typically awesome, but when I tried to do this I did run into two consecutive confused young reps who swore it was "impossible". I just did the secured loan, then the secured card later after the I deposited the loan check into my account. It's been a week and no sign of the money being frozen or my card showing up, so I'm a little concerned, but no real worry yet. BTW, someone correct me if I'm wrong, but by getting the secured cc first, instead of the loan, aren't you only going to have the one trade line? I mean, you can get the secured loan (shares or cd) still too, but won't you have to kick in another pile of $$$?
  3. Thanks bonusmom for the reply. I did some searching, and from what I found the balance billing issue isn't illegal in GA. I'm not surprised, GA laws are so far from consumer-friendly it's ridiculous. I'm tentatively going on with the payment and hipaa letter to the dental office. Please, somebody stop me if that's not right... I definitely don't want to end up with a re-aged ridiculous <$25 amount the CA may decide to put on my report for "fees" to them.
  4. onshore

    Secured card?

    I just received a secured USAA offer in the mail, after being denied a regular card. They want me to open a 2-year interest bearing CD in exchange.... with a $250 - $1500 limit/CD I guess this is a new offering? I guess so. I *just* got off the phone with USAA before reading this. They did not approve my CC app, despite having 15K in the bank (600 FICO). I asked about a secured card and was told they didn't exist - yet. Although they were thinking about it and one might come out soon... Thanks for this post! I'll call back and cite specifics. Also, it appears that this offer may be coming form a different area of USAA than the regular CC processing group. Don't know for sure though - but I certainly wasn't speaking with Retail Banking Support this morning. I'll post my results later. I, as a red-headed stepchild of USAA, asked about this secured card, and got the "It doesn't exist" message at first too. I asked again, and another rep (or maybe higher up) gave me this: The pilot program was offered to pre-selected members. Additionally, this product is only available to members who are eligible for our insurance products. Currently, our records indicate you do not qualify for our insurance therefore; this product is not available to you.
  5. I've run into a little hiccup in the process. There is this account listed on all 4 CRAs for less than $50 for a child's visit from 2004. I followed the whychat process - 1. prehipaa to cra's - 2. they verified - 3. medical dv to ca based on entries on recent credit report - 4. ca sent me a copy of the dental paperwork for my child. On this paperwork is a clause about being responsible for any collection fees, etc. My child was insured, and had 100% coverage for the services she had (basic cleanings, xrays, one cavity fill). There is a lot of obviously recently blacked out on the one page statement (which includes all of her visits), but this provider is known for charging above what insurance will pay for full coverage services and billing the patient. We haven't been back since 2005. So I'm about to send the OC the hipaa with insert a, with a bank money order for the billed amount, but I'm now concerned that this clause in their (OC) paperwork negates this last part of the hipaa process. My goal is obviously to have this removed from my reports. The amount is trivial - I'd pfd if I had any trust in this company at all. Given this clause in the original paperwork, can I still send the hipaa letter with insert a and follow through with that process after they cash it? Can I expect a deletion? Should I have a different approach? Thanks in advance!
  6. I've been waiting for months to be able to do this (saving, combing the family tree to find a way to get membership). Finally got it done this week. Very excited, huge thanks to johnnyt6. Looking forward to reaping the benefits of having these positive lines and a local CU with great rates. PS - I was told the card does not report secured, but reports just like any other credit card.
  7. Earlier this month I received a dunning letter that listed a name I used in high school (20 years ago) as my "AKA". Interestingly enough, it was also the name some salamander used in 2005-2008 (at least) to steal my identity right after I bought a house. The only place that name shows up is on Facebook - and I've always had all my privacy settings on "Only Friends".
  8. "step fathers 3rd cousin removed twin brother's son in law's from his aunts step child's son" I guess I read this totally wrong - I thought it was a complete joke (mean, but funny)
  9. I have gone back and forth on this issue for years regarding my now 14 year old. She's a good kid, book smart, considerate, and fairly responsible... but horrible at seeing future consequences. I mean really, really bad. I'm not convinced she'll be safe behind the wheel in a year and a half. I was taught absolutely nothing about money and credit growing up, and I missed out on a lot. Mom had A1 credit her whole life. I didn't even know you got a loan for a car until I was a senior in high school. I've shown my daughter the agony of living with a low score, and the time, energy, and persistence it takes to rebuild vs. the relative ease of maintaining a high one (same as grades). I feel like that's my job, to teach her, not necessarily to hand her a great score when she's unemployed and not legally responsible (a little dangerous when they know that). Plus, if she screws it all up at 18, she's in her mid 20's at the latest when she can have the baddies gone (earlier if she listens to CBers). That's not too late for such a big lesson. On the flip side, my best friends growing up were put as AU's on their parents cards and bought new cars as college sophomores, paying less a month than I was paying for nasty food. They still have great credit. Well, except for one. My daughter does have a USAA checking and savings, and an investment account. She's managed them all very well. By well I mean she forgets about them. She only spends her "Look at what a big girl you are! Here's a $50" money from grandma. She earns a little money with an IT business. For some reason in my family, it's believed that you don't tell your kids about your money. I don't subscribe to that. I don't need my kids to think when I say no it's because I can't - when I say no, you're just not getting it. Either pay for it yourself or let it go. She's talking about saving for a VW bug, so this semester I'm having her take a personal finance course at a community college. I look at it as a very small investment towards a safer future for her, like defensive driving. I wish I'd had it and some parental guidance in high school, with or without AU. This summer the final decision comes down on whether to AU her or not.
  10. well, not that anyone said anything , but... I'm in! Oddly enough, not the first time a complicated family structure has come in handy.
  11. onshore


    Credit Application: Your Age? 35 Your Equifax Credit Score? 517 Your Experian Credit Score? unknown Your TransUnion Credit Score? 557 How many years have you been on file with Equifax? 20 How many years have you been on file with Experian? 20 How many years have you been on file with TransUnion? 20 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? NO Will this open auto loan be a trade-in? How many late pays within the last 12 months on the currently open loan? How many late pays within the last 13-24 months on the currently open loan? Your current open auto loan is financed with? Your current open auto loan payment is? Estimated amount you may be upside down in this vehicle? Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 1 Total percentage utilized overall? ~15% How many of your revolving accounts are store cards? 0 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 1 (auth user) How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 0 YOUR PERSONAL INFORMATION How long at your current residence? 4.5 years Do you Rent or have a Mortgage, or Live w/Relative or Other? Mortgage Your Monthly Rent or Mortgage payment? 955 How long have you held your current job? 3 years Your total provable monthly gross income is? 1668 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) computerized check stub Is there additional monthly income? What amount monthly? $1090 Describe the source. Court ordered, wage-garnished support for over 3 years (will continue for 16 more) Is the additional monthly income provable? yes Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) 2,500 Does any credit repository contain any Public Record? yes If yes, please very briefly describe. eq -2, tu -1. Record on both is for ~650 from 2005 medical judgment, second record is for ~3,600 medical loan default Does any credit repository contain any Collection Account(s)? yes If yes, please very briefly describe. 7 collection accounts, five are under $100 each, high two are $298 (was paid over 4 years ago) and $775 verizon (unpaid) Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 3 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 4 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 5 New or Used vehicle you are considering: Please very briefly describe. used, 2007 Hyundai Santa Fe Limited, $18,500, under 40,000 miles fyi: have 2 year old repo (no amount due), have 4 year old paid off car loan listing 2 lates over 4 years
  12. I don't want to take over the thread (I guess I may need a separate thread for this), but here's my deal: My son (age 2) has father who got honorable discharge from army. His ex-wife is in the reserves (or was as recently as 1.8 years ago when she returned from a year in Iraq, but I'm almost positive still receives some sort of monthly payment). She still holds the last name. Their children and my son are siblings, so if those kids have accounts, can my son get in and then I get in through him? Or is it possible for my son to get in through discharged father, and I get in through son? I'm trying to think of everything. I'm in with USAA thanks to this board, and I'm ITCHING for NFCU. Any ideas?
  13. I got this response to my BBB complaint: Our client was unable to confirm receipt of the payment. NCS is seeking to resolve matter in a fair manner. Since respondent provided copy of the front of a money order, NCS is giving benefit of the doubt by reporting the account as paid. Consumer incurred the valid debt in August, 2004. The Account was placed with collection agency in October, 2005. NCS made several attempts to contact consumer, by letter and phone numbers that were available at that time. NCS did not report account to CBR until January, 2005. The consumer's copy of the money order is dated 4-4-2005; therefore, she acknowledged the debt as valid by paying it over 8 months after incurring the debt. The consumer is demanding the complete removal of a valid debt that was properly and legally reported to the Credit Bureaus. We will report the account as paid. We will not be removing it from the Credit Bureaus. Back story - bought house in April of 2005. Found out during mortgage app process that my apartment complex was reporting I owed almost $300 for pet stains or something (didn't have a pet). Went back and forth with them about it, but mortgage company said pay it and dispute with them later or no loan. Paid with a money order as mortgage company required. Mailed copies of it and front of postage-paid envelopes to mortgage co. National Credit Systems reports this on all 3 as an unpaid collection. I've disputed it numerous times before finding CB to no avail. They don't send me anything or call. The apartment complex was reporting it, I disputed, they deleted. I'd like to have the option to go to court, or something that backs them into a corner and they have to delete. What should I say, if anything? I have one week to respond. Am I toast here for paying it? The note about it being incurred in August 2004 is totally wrong (that's a full 15 months after I'd moved from that apartment complex). Thanks in advance
  14. Thanks, I appreciate it, but I actually have all of that basic info. My issue is, the way I read it, the loan is applied to PITI, attorney fees, etc. - my mortgage company, however, applied it all to a catch-all category they call FEES, and made no changes in the principal or interest to reflect this payment they received. Is there a loophole that allows them to do this (bring my loan technically current, but distribute the loan proceeds however they see fit)? Of course, this is the same company that received my homestead exemption refund of almost a grand and applied it to - you guessed it - FEES (when none were owed). Everyone else I know received this money back from their lenders. Anyway, this move by them makes a 5-figure difference to me should I put the house on the market this summer, and makes everything different should I attempt to refi later.
  15. Cutting to the chase - I got into some mortgage and auto loan trouble at the end of last year due to medical bills for my premature infant son and consequently being unable to work outside the home his first year. Literally hours before my home was scheduled for auction, morgage co. calls and says I've qualified for new program called Homesavers Advance. Actually, the timing was so close that they did "sell" it at auction the next morning, but the mortgage company later refused the sale because of my qualification for this program. Today they applied the payment from this advance/loan from Fannie Mae (I think)... and applied it ALL to fees! My promissory note says it's for back mortgage payments, which I know are made up of interest, principal, and escrow payments. The paperwork is incredibly vague and limited to 3 sheets of paper, unlike the world dictionary I had to sign at closing years ago. My question is, can they do that? Do I have any recourse? Is this how the program works? I certainly don't want to look a gift horse in the mouth, but I also don't want to begin repaying something that ended up just being a donation to my mortgage company. I've done searches here and on the web and can't find much at all about the program specifics. Thanks in advance for any insight or suggestions, I really appreciate it.

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