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Everything posted by Rook2g5

  1. We obviously need a "spit take" emoticon.
  2. I don't have a signed lease. I'm on a month to month. Does that change the 90 day parameter? Does this even apply to me? How close is a short sale to a foreclosure?
  3. I'm currently living in a property that is approved for short sale. Potential buyers paraded through the home just about every day for a month until about 3 weeks ago when the traffic stopped. My lease is month to month and my landlord is not communicating with me. About a month into this process, I get a call from a family asking if they can come by to see the house because their offer was accepted. They told me that they hoped to be in the property by October. The landlord won't talk to me, other than rent reminders so I emailed the listing agent as an "interested party" and she told me
  4. I got the following message at Credit Check Total. *Monitoring with Experian begins within 48 hours of enrollment in your free trial. Monitoring with Equifax and TransUnion takes approximately 4 days to begin, though in some cases cannot be initiated during your trial period. You may cancel your trial membership any time within 9 days of enrollment without charge. I also read some complaints from customers who weren't able to cancel in time, claiming that they were only getting a message to call back later until their deadlines passed. They were being charged $30. Any other ideas?
  5. I haven't had a "3 n 1" account since Privacy Matters back in '05. What's the latest deal just to monitor all 3 and pull daily? I'm not so concerned with bumpage(though I'd appreciate it), but I want to be able to monitor my reports as I rebuild. Oh yeah, I'm also a cheapskate...
  6. I do have some savings...should I just beef that up? Is that a greater priority than eliminating debt?
  7. Okay, so I have some debt to be addressed with my tax refund. How should I move this cash for good? My scenario: $10k in student loans at 4% $14k in car payments on a Hyundai Accent that's worth $9k at 15% That's it for debt. Is dropping the entire $5k on the car my best option or am I overlooking a better option? Other than these two bills, I am completely debt free, thanks to a BK7 6 months ago. Any and all suggestions are welcome.
  8. I fully understand your "re-insertion" comment. That's a great letter but I'm not sure it's going to do much to have Experian act. I was hoping to go after Dependon anyway.
  9. Way back in 2002, I received a parking ticket for $25 which I promptly disputed. After not hearing back from the small town who issued the bogus ticket, I assumed my dispute was reasonable and had resolved the issue. Cut to 2004, when I joined Creditboards.com. I get this collection account on my report claiming that I owe Dependon Collection Service $250!(Talk about your mark ups.) I promptly disputed the account and wrote two DV letters to Dependon and the result was a prompt deletion. Cut to December 2008. I'm perusing my Experian credit report and lo and behold, Dependon is back!
  10. As I understand it, this is one of maybe 3 or 4 properties he owns. I'm not sure he's in trouble with them all. I do know that he purchased this property at the peak of the market and as a result, his profit margin completely disappeared about 8 months into my option. I decided not to exercise my option and he was stuck. He dropped the rent from $1750 to $1450 to keep me from moving after the option expired because he said he had refinanced and his payment decreased considerably. I think he dropped the rent because he would rather match the other offer I had for another rental and keep m
  11. My landlord is not subject to the VRLTA because he doesn't own at least 10 properties. (man, do I hate this state...) I guess I am once again in relentless pursuit of a rental. Wish me luck...
  12. There is no contract. I've been on a month to month since June. My original rent with option aggreement expired. So no matter what, I have to be given notice? Is that based on Virginia guidelines or what?
  13. Okay, so I recently received an email from my landlord, the owner of the house I live in, originally a "rent to own", saying that he's getting rid of it. I suspect he got laid off from his job and is struggling to make ends meet. 2 years ago, it was a rent to own for $380K. I opted not to buy it after a year, continued to rent it and subsequently filed for Chapter 7 bankruptcy last April. The BK was discharged in July. Now I get an email from his realtor that he is going to try to liquidate it by way of a short sale. I don't exactly understand how this is carried out. He's offering it to
  14. APPROVING BANKAmericredit BUREAU PULLEDExperian CREDIT SCORE584 CUSTOMER STATE OF RESIDENCEVirginia NEW/USEDNew YEAR OF VEHICLE2008 MILEAGE16 RETAIL/LEASERetail AMOUNT OF LOAN14200 ADVANCE PERCENTAGE? TERM CONTRACTED72 months(ouch) APR/LEASE RATE16.35 MONTHLY PAYMENT310 MISCELLANEOUS COMMENTARY:2008 Hyundai Accent w/ "popular" package. Down payment: $500 trade in value from my Isuzu that wouldn't pass emissions.
  15. So a printout from PACER won't suffice ? Marv, do you think its worth pulling FICOs just to see where I stand while attempting to secure financing? Hypothetically, if my credit score remained in the 580 range after the discharge reports, what kind of finance rate would I qualify for to borrow, say, $8000? Is there a calculator somewhere that would give me a ballpark figure? Thanks for the great advice! I appreciate it.
  16. Credit Application: Your Age? 45 Your Equifax Credit Score? 580 Your Experian Credit Score? ? Your TransUnion Credit Score? ? How many years have you been on file with Equifax? 16 guessing on all three. maybe longer. credit at 19. How many years have you been on file with Experian? 16 How many years have you been on file with TransUnion?16 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? no Will this open auto loan be a trade-in? n/a How many late pays within the last 12 months on the currently open loan? 0 How many late pays within the last 13-
  17. I apologize for this question but I can't seem to get any answers through the search engine. I can't figure out how to phrase my search. Anyways, I'm awaiting my BK7 discharge and would like to begin gathering applications for secured cards that report as unsecured. I included HSBC in my BK so I'm not counting on them to offer me anything. I'm going to probably return to First Premier(yuck) cause beggars can't be choosy. Any direction or suggestions would be a great help. Thanks in advance! PS. If anybody happens to know just how exactly DO you opt back in, by all means, let me kno
  18. Yes, as I stated here a few times (for details do a CB search using my username) I have used BSI (based in FL) with pleasing results. They are legit and before using them I checked them out on the BBB after seeing a piece on them on Oprah...I am long out of their program (couple years) and today my CRs read like they were never there. Dings if any were temporary. Good luck! Thanks for the ringing endorsement! As much as I am not concerned with the status of the accounts, I am concerned with the damage to my credit and your comments encourage me a great deal. Do you remember
  19. I'm grateful to have my boys back and be able to raise them. That is worth any sacrifice I have to make. If I can't make her see how important it is to contribute to our family and home, I'll do it without her. I don't have a choice at this point and frankly, I'm tired of arguing. Job one is providing for my boys. If my wife acknowledges the urgency of the situation and decides to do something about it, any contribution she makes will help, but right now, as unfortunate as it is to say, she is somewhat of an afterthought.
  20. I've already had issues with making arrangements that I couldn't keep. Most hardship programs can only be utilized with an automatic draft from your account and that is just not a requirement I can accomodate right now.
  21. I haven't exactly ruled out BK...I'm just here to get some feedback. BK used to be the kiss of death...not so much any more. I just want the solution that's going to allow me to recover the best.
  22. Okay, so I'm about $26k in the hole and I'm in need of a fiscal intervention big time. I heard this ad on the radio and called 866-249-0343(sound familiar....anyone?) and I spoke to a Florida based company named "BSI" or "BFI" (neither of which I could find on Google, btw) and they gave me an estimate of 55 payments of $606.00. The consultant, "Jessica" also told me that my accounts would report current after two months(no way) so as long as I kept up with the payments and most would PROBABLY(notice the flashing red flag) re-instate me at the end of the program. At this point, I would ju
  23. Thanks for the good advice. My sons are 14, 11 & 9, so the 1 br apt. are out of the question. They won't even rent a 2 br place to my family. Obviously, there is no child care expense and the only "luxury" item is my cellphone which I use for business. Everything else is downsized.
  24. Thanks for great advice! My rating is going to suffer either way. I'll look into writing those letters and research CCCS. Mistake, The downsizing has already begun. My commute is 40 miles each way, so a clunker won't do, but I've cut expenses in other ways. I'm also seeking a second job and Mac and cheese is a favorite of my boys so we're on the right path.
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