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  1. We have been working with the Federal Loan Services to correct late payments showing on my husbands credit reports in error for my daughters 3 student loans. They have updated the information to show the loans are Paid, closed with a $0 balance, and showing You've made 97% of your payments on time for this account but each loan is still showing 3 late payments. The payments were never late the loans were deferred and no payments were due which the person we have been working with has admitted that no payments were due when they reported them as late. She does not seem to know what she has to do to get the negative information removed. What information does she need to give the credit bureaus to get the late payment information removed? My husbands score dropped almost 100 points then increased 45 points when they changed the information to Paid and closed. She seems to be trying to correct the error but is not understanding what needs to be done to fix their mistake. Thank you,
  2. I am trying to help my Mom and stepfather they signed a contract with the Debt Settlement Co, J Haas. They have paid them thousands of dollars almost all towards fees. My Stepfather just had a quadruple by-pass and my mom is trying to piece together the finances that he always took care of. They are paying J Haas almost $400.00 a month. They only get Social Security and after paying J Haas they do not have enough to buy food for the month. My mom went to the bank today to stop the payments to J Haas and she sent them a certified letter to stop the settlement services. They have almost $1000 supposedly in a trust account they should send back in 48 hours after cancelling. After the fees taken to stop the program, I am sure my mom will get nothing. They received from the court and faxed them to J Haas and were told they would take care of it. I just checked the court records and they have 2 default judgments against them. The first was filed 7/29/10 when my stepfather was very ill and the second 8/18/10 when he was in ICU. J Haas has numerous complaints against them, their BBB rating is F, and they are not licensed. We called a few attorneys to look into filing bankruptcy but they cannot afford the cost. We have a request for assistance into legal aid but I found out they are $200 over the income limit to receive legal aid. My mom is now starting to have health issues from the stress and cannot handle any of it. What options do they have what should I do to help? Thank you.
  3. I mailed my amended 2009 tax documents for the $8,000.00 credit on February 12 and the IRS website shows it will be direct deposited into my account April 16.
  4. kmkb

    Rate Lock

    To lock today would have been 5.375 for 45 days. We were also told if we lock at 30 days it would be 5.25 at today's rates. I am going to call the broker tomorrow at 11:00 when they get their daily rate sheet to see if anything has changed and to let him know if we want to lock. Thank you for you advice.
  5. kmkb

    Rate Lock

    After many months of working on our credit we were preapproved for a VA mortgage last month. We were told we were approved via the Automated Approval process. The mortgage broker keeps telling us everything looks good and he would not be moving forward if he thought there would be a problem. He also told us last week that they are keeping our loan in house. They are walking our file to underwriting and we will know if we have the final approval this week. We are trying to purchase a spec home that we were scheduled to close on Feb. 24. We were notified by the builder that the house will be ready to close Feb. 2. Do I lock in my rate tomorrow or should I research data somewhere such as forcasts and trends and what would I look for to help me determine what to do? We are still worried something will go wrong after 30 years of marriage with many ups and down it is hard to believe this is happening. We got an unbelievable deal so I cannot imagine any appraisal issues we are paying way under what the comps are for the area. As far as credit our dream would not be coming true without the informtion provided by the members of Credit Boards. I spent hours every night for months reading the information and using it to clear up our past credit issues. With your help and the help from our faith community we are hoping for a Christmas Miracle of final approval. Thank you so much!
  6. We live in Ohio and are hoping to apply for a VA mortgage within the next couple of months. In June we contacted a VA lender in Missouri we found online who has been providing information and answering questions for us over the past several months. We recently looked at a couple model homes and when talking to the realtor for the builder were told it would be better to work with a VA lender in Ohio. Does anyone have input or advice on this we have waited too long to be in the position to purchase a home and I want to make sure we make the best possible choices.
  7. I have been a devoted reader for a couple of months but this is my first post. I wish I found this site at the beginning of my mission but I was able to use what I learned to resolve some of the more difficult items on my report. I started working to correct the errors on our credit reports for both my husband and me in May. Highlights were getting a Midland, Portfolio Recovery, and 2 Capital One accounts removed which I credit to the information provided on this site. Here are the numbers summing up my story: Negative Items: TransUnion - started with 19 now =0 Experian - started with 13 now =1 Equifax - started with 19 =3 Scores (Fako): Trans EXP EQ 6/1 611 637 584 6/5 564 573 532 9/18 702 683 587 Trans EXP EQ 6/1 633 678 656 6/5 571 536 586 9/18 715 724 606 My question is related to two remaining items on Equifax who was the nightmare for me. One is for Midland and one is for Pinnacle. They are both reporting as Open and Factoring which I will include in my dispute I read all the posts on this, both have the wrong date of first delinquency. I do not have anything to prove what the date should be they have 12/02 it should be 7/02. The only report that I have with the 7/02 date is Experian. Midland is showing a Last Payment date in 2004 which was never made. We have never made a payment to Midland or the OC since 2002. I tried to find information on adding false payments through the search options but could not find anything. Does anyone have a suggestion on how I could address the dates being wrong and the payment we never made? Thank you.

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