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  1. Hi all, so I’m new here and haven’t really been sure where to turn for advice and questions on this topic so sorry if I’m posting this in the wrong spot. I work as a mechanic right now and I bought a toolbox and some tools for about 4k through the leasing option that was offered. I didn’t ask much questions since I didn’t know what I know now about credit and lease/loan options, and the seller didn’t explain them to me just told me to sign. But I’m stuck paying 230$ a month for another 3 years (been paying for about a year before I started getting info on the lease) the early buyout amount is the same as if I kept paying monthly (about 9k). There is no interest according the the company but they have a fixed price and term length. Basically what I want to know is can I get out of this? If I were to do like a voluntary repossession since it’s an equipment lease that I don’t see on my credit report while the repo hurt my credit? If I do have them repossess it and they sell it to cover the amount I still owe, will it come off the original 4k that I financed or my 9k buyout? Should I get a lawyer to look over the contract and see if there is a way out? Clicklease is an absolute scam of a company. They have refused to cooperate with me. For the first 5 months of my lease (when they offer an early buyout at the purchase cost) they never answered any of my calls or emails. And even as of late they give me no options to help me and minimal information unless I ask for very specific things. Clicklease has already had several lawsuits filed against them and 100s of bad reviews. But they still have a 4/5 rating with the BBB because of 100s of fake reviews.
  2. Hoping the experts can help me make the best move here. I bought a car and financed it. At the time, it was a reasonable (but not amazing loan) at around 5% APR. Then about a year later, I went bankrupt (chapter 7.) The attorney told me basically that as long as I kept paying the loan, I would not have any issues with it. (The intention was always to keep the car and loan.) Shortly after my BK was filed, the bank with the auto loan put me in this weird status so I cannot autopay, I have to pay manually every time. It also will not tell me my current balance, payment amount, due date, nothing - but it will allow me to just continue paying the same amount I have always paid. Finally, if I call in I have to be transferred to their 'bankruptcy' dept which means waiting on hold 40 mins or longer to talk to someone and what they can do or tell me is incredibly limited. I told the attorney, they said this is normal, just keep paying, and a few months later the BK discharged. Well... fast forward a year and the loan is still stuck in this state. The bank claims they sent my attorney several attempts to get me to re-affirm the loan before my BK was discharged. (The attorney denies ever getting anything.) They claim that without this, there is nothing they can do. Note: the loan shows on my credit reports as always paid on time, from the month of my first payment to the month I filed for BK. So it's like 11 months of paid on time indicators - then nothing. Also, it shows the balance as several thousand dollars more than it truly currently is, because again it's essentially frozen at the last data point they had before I filed for BK. I mention this because on my current credit reports, one of the things they call out as having a significant negative impact on my scores, is my installment loan balance/s being too high / too close to the original balance/s. I have considered a few options - a couple of credit unions have indicated they believe I would likely be approved for a car loan, and I could effectively refinance this. (Yes I explained the whole thing and they are ok with the fact that I went bankrupt and this loan is stuck in some weird state now with not being re-affirmed.) Also, they would be doing 1.9-3% interest so this would actually save me some money as they payments would be a bit lower. However, I want to try to buy a house in the next year or so - do you guys think this strategy (refinance the auto loan) would result in a net positive impact to my credit score in 1 year? Initially I think there would be a hit due to the inquiries and opening a new account, but after a year of good payment history do you think my score would have benefited more than it initially suffered by doing this? (In case it matters or affects strategy, I should note that I have a ton of equity in the car at this point. Due to the pandemic I have barely used it; I owe less than 50% of the car's book value at this point.) Another option I considered is, what if I did a dispute with the credit bureaus and said hey you are showing the balance of this loan as 27k, here is a 10-day payoff statement from the lender showing 15k... so you need to fix the loan balance. Would they do it? Or would they be more likely to delete the account from my credit entirely (unclear if that would overall help or hurt me) or could there be some other negative consequence? A few other side notes - shortly after BK I pulled my credit (the real deal, from myfico) and they were all around low 600s. I applied for a credit card and got instantly approved. Over the next few months I applied for a few more and got 2/4 of them. I finally realized I had a path into navy fed, got in and tried to get the navy fed cash rewards card, but got turned down - so I opted for the secured one. ~3 months later the navy fed secured card doubled my limit (without requiring more security.) Then as each card hit 6 months, literally ever one increased my limit, and the navy fed one converted to the cash rewards card that I had tried to get in the first place! I haven't paid to re-up my myfico triple scores yet but I believe they are all currently mid to high 600s. (I do check EXP constantly as it's free; that score is about 650 currently.) Thanks for reading!!
  3. Hello everyone, I've been a member here for years and this site has helped me immensely!! This is the first time I have posted a question because I wasn't able to find an answer in the search. I am trying to refi my property but my credit scores are too low because of high balances on my credit cards. Score is 603 and all payments have been made on time and never missed (need to raise my credit score close to 700 for refi). Most of my cards are close to limit. I just received a personal loan of $44,000 to pay down my cc's but now I'm wondering which route to take: Do I pay off a few CC's or do I pay down the balances of multiple credit cards? I need to raise my credit score as quickly as possible and I'm not sure which way would help raise my credit scores the fastest? I'm trying to do this in the next week or two and do a rapid score at the end of the month. Thanks in advance for any advice! $14,000 Limit - Balance $13,549 $8,300 - Balance $8170 $1400 - Balance $1583 $15,190 - Balance $14,883 $16,700 - Balance $16,810 $6000 - Balance $9613 $7126 - Balance $6740 $5000 - Balance $5000 $32,000 - Balance $31,720
  4. Hello CV and everyone, Wanted your brutal opinion because I am in the process of refinancing my FHA loan and just received the loan closing disclosure (CD) today but wanted to know if I'm doing the right thing and/or its worth it or Not. My current FHA loan as follows: Appraised Property Value $400K Current Loan interest rate is 3.25% (closed this loan 13 months ago) Original Loan Amount $393K Current Principal Balance $383K (30yrs loan and nearly 29 yrs left). Loan Maturity date 08/2049 Current Monthly payment $2400 (Principal $671+ Interest $1,038 + Escrow $690) VS. My FHA refinance loan will be as follows: Appraised Property Value $400K New Loan interest rate is 2.75% Original Loan Amount $387K Principal Balance $387K (30yrs loan). Loan Maturity date 11/2050 New Monthly payment $2391 (Principal + Interest = $1,582 + Escrow $542 + PMI 267) Cash to close from borrower (me) $2089 Thank you all for your feed back.
  5. Does anyone have any idea if I can expect for my mortgage scores to drop after refinancing? Here's my situation: I signed the loan docs for my refinance just this week. It's supposed to fund on Monday, September 28th. On Tuesday, September 22nd, I put an offer on an investment property that was accepted the following day (Wednesday, September 23rd). I received a soft pull pre-approval, however I'm waiting until my refinance funds before doing a complete hard pull application, because I don't want any problems with refinance. Should I be concerned that my score is going to drop when my old mortgage is paid off and before my new mortgage is reported? Right now, my middle score is 747 and I don't want to scores to drop before I get pre-approved for my investment property purchase. Should I hurry and apply as soon as I know the loan is funded, so I don't take the risk of my score dropping because of the payoff of the old mortgage? Any of you mortgage gurus have any knowledge, insight or experience with this situation? Thank you in advance!
  6. I started the refinance process a LOOOOONG 64 days ago. I signed documents on Wednesday this week and haven't heard a peep about closing other than a request for employment verification this afternoon. Turns out my rate lock expires today and it appears the loan hasn't closed. The lender offers complimentary rate locks and has been extending it each time the deadline is met. I didn't receive any such documentation today and, of course, I can't reach anyone on the loan team since it's after hours. Wondering if I'm screwed. And by screwed I mean the rate I selected is now $2500 more expensive for closing costs (swinging from partial credit to now paying points).
  7. Hi I would like to refinance my current house,I purchased my house back in 2017, for 300k I did 80 and 20 to avoid a PMI, My 1st mortgage was 4% and 2nd ( 20 % )was 6,5% . I could refinance for 15 yrs @ 2.75 % rate, or 3.375% for 20yrs. Which is the best route ? I know 15Yrs will save me tones of interest. The difference in a payment is about $269 more . Should I go with a 20yrs and pay $200 more toward my principal ? or pay $269 go with 15 Yrs. My goal is to own my house in 10 yrs ,pay extra toward my principals . Also the closing cost in 15Yrs is only $500 the 20 yrs is $1500 . Are these fees negotiable ? Any suggestions ?
  8. New account...old user. Hopefully I can get some good advice from the experts here. I am hoping to refinance my mortgage and have some questions about how to proceed. Info: Salary: 78K/year..solid employment in the medical field. Same employer for the past 8 years Scores at the moment: Mid score is 690, clean report with no negatives on any. My scores have dropped due to high utilization of CC DTI: high (75%) I built and closed on my house in Nov 2018. Owe: $295,000 Value: $400,000 (give or take a few thousand) I put 20% down to avoid PMI Current interest rate 5.25% 😕 By the end of this month, I will have paid off 32K in CC debt. I will have an additional 20K left on my reports but on cards with high CL's so my utilization will be low on the ones that are left. Other monthly obligations: Car #1 $657/month Car #2 #330/month CC's: $400/month (remaining 20K that is left over..this is an estimation but should be pretty close) So here is what I am hoping will happen (keep in mind...could be very different from reality as I really don't have a lot of knowledge about this) That's why I am here. I am hoping to wait until June to start the refinance process once all the cards that I am paying down have a chance to update to zero balances. What are the chance my scores would boost up to the 740+ mark (wishful thinking??) I want to pull out some of the equity to pay the remainder of the CC's, would this be an option or advisable? I assume that if pulling money out leaves less than 20% equity in the house then I would have to start paying PMI...is that correct? Am I taking a risk waiting until June? Although to be honest I doubt I will be approved which my current DTI. What are the chances of me getting approved at all? Is there anything else I should be considering? I will say that I am working two jobs at the moment which is how I am paying down my cc debt. Its only a six week contract but pretty lucrative. Will that income factor in to my DTI? Thank you, -S
  9. Short Answer: It saves you a lot of money According to a recent research from Freddie Mac, the average borrower could save $1,500 just by getting one extra rate quote when applying for their mortgage. With five quotes, they could save $3,000 or more. Wow, so I should really do it. But how exactly should I do mortgage shopping? Preparation: Estimate your mortgage rate There is an old Chinese saying from The Art of War that “If you know your enemies and know yourself, you will not be imperiled in a hundred battles.” That’s exactly why this step matters. Having a rough idea of what interest rate you can expect is crucial for you to play well in this game. There are many factors that determined your interest rates including base rate (update daily), loan amount, location, LTV (loan to value ratio), credit score, house type (single family vs condo) etc. So to help yourself estimate, you can talk to your friends who have done mortgage recently and ask about their rates and how they get them. There are also some anonymous mortgage reporting site (such as rate.exposed) to get more data point. Keep in mind the best way to estimate your rates is comparing with people with similar cases. Now, let’s pick up the phone and start dialing You can follow the steps here: Call 5 lenders, ask them to quote and write the numbers down Find the best quote from the 5 lenders, let’s call it lender A Call the rest 4 lenders again asking them to match (or even beat) the quote from lender A. If you get a quote better than lender A, go back to step 2 and step 3 to call the rest to match Until the number can’t go lower and the rate is within your expectation. Extra Tip 1: Ask for special program Different lenders have different promotional program. For example, Wells Fargo has relationship discount where for every $250k asset you move to WF bank account, you get your rate reduced by 0.125%. You might just save yourself $10k but just a simple ask Extra Tip 2: Credit Hard Pull Many people are worried about hurting the credit scores by having too many lenders hard pull your credits. In fact, if you do them within a short period of time, multiple credit inquiries will combine to count as only one. Also, if you know your credit score in advance, you can simply just ask them not to pull and tell the lender the number. That should be more than enough for lenders to come up with a quote for you. Extra Tip 3: Pay attention to fees Some lenders do the trick to lower your interest by increasing some less obvious fees including closing costs, points, etc. So whenever you get a mortgage quote, always look at the full picture before making any decision.
  10. Hello, I tried to do a FHA refi on a first mortgage that has never been late and a second with no payments in many many years. Well the FHA now requires all mortgages on the property too have a on time 12 month history. I am already in the process of my attorney working on a modification of the second defaulted loan. But we want too have a back up. Any ideas of other refi loans that this wouldn't be a issue with?
  11. Besides Penfed, who does cash out refi's? I have a paid off vehicle that I'm considering refinancing to pay off some credit card debt.
  12. Hello, I went ahead and dove into the new truck (previous posts debating back and forth etc). I will sell the used truck on craigslist/hoping to come out better than the $800-$1k the dealership mentioned. I prequalified through CapOne first, $35k at 7.85%. Truck cost more so I ended up with 9.99% at PNC. CapOne would not go up the few grand which I understand. My credit scores (fico 8 ) are 624 to 636 but of course different with the versions used for auto financing. Understanding where my credit sitrep stands I was ok with the CapOne 7.85%. Updating my goal board as to when I should target refinancing the auto loan? I have over 10 inquires, only 3 offers (3rd was way higher); so lesser of the weevils (Master and Commander movie reference...lol). DCU keeps popping up in financing/refinancing successes with challenged credit in my searches. Just looking for advice on how long to wait (3-6-12 months etc), who to try at that point, pros/cons. I thought of trying DCU now since still within the week of purchase and hoping that INQ gets counted in with the other batch. Any experience out there if CapOne would be interested in 5-6 months? I believe the installment payments will give a good boost to my scores since I don't have an open installment on one credit report and the other 2 list my Santander(not due off until beginning of 2020). CapOne I have 2 credit cards (1 unsecure, 1 secure) and have done great ontime payments, one auto CLI etc within the last 6-7 months with them. I am keeping in mind another lesson on here of too many eggs in one basket; but I think they were better in the offerings above for the relationship of on-time payments/usage this year/rebuilding. Thoughts?? Thanks!!! (hope this is not a double post as I had to log back in and resubmit)
  13. Anyone know which lenders require income documentation for self-employed and which don't?
  14. I had financed a car with navy federal. at a amount of 65k. i was financed at 65k 8% over 5 years. after 2 years of perfect pmnts i was looking to refinance the loan. lower interest. NFCU does not refi there own loans so i started looking at other banks. My father told me to sell him the car (qualify for new rate) (so i did) since the car was new and 2 years later still considered new under NFCU loan guidelines... car was a previous year model under 9k miles would qualify for new car rates. so within the first 6 months my father had passed. car was still titled to me. because going thru the mail i found the title was mailed back by NFCU stated it was filled out incorrectly... and letters beyond it stating that they have converted it to a personal loan. (crazy interest rate of course) now today i arranged a call with the survivors dept. so im writing to see what options i have on my side if any. what i am personally considering is giving the car back since it is upside down now as LTV is ridiculous. but wondering if an option of negotiating the fair value of the car to take back loan would be on the table. or if they can actually not even take the car since title was sent back, and they converted it it a personal loan? rare situation but curious as to options and any advice would be appreciated thanks guys !
  15. Good morning, I am writing this on behalf of a family member. She went through a nasty divorce in 2009 and had to vacate the home. The ex husband still resides in the home, however he has paid the mortgage late consistently and the house is always going into pre foreclosure. Because he refuses to sell the home her name remains on the mortgage and her credit score is horrible because of this. Is there any way to remove her off of this so she can try to salvage her credit? Can it be reported to the credit bureaus?
  16. We are having plumbing issues with our home. Of course, there are other things that need a touch-up. But the year-long plumbing issue has got to go once and for all with a new installation so it been told by contractors. Constantly flushing and snaking is sending the water bill through the roof. Trying to figure out what is best – sigh. So I’m looking for thoughts. So we have been exploring financial options. 1) We have cash-out refinance option. However, home is really dropping now and we are down to 60,000 with a 4% interest rate. Even paying a bit extra each month. So really looking forward to paying off home since it cost us the most monthly. 2) We have a couple of credit cards that could cover repairs. However, cc tends to get out of hand once close to spending limit or maxed. So really don’t want to go that route either. 3) Then I hear about getting a second mortgage. A line of credit or loan. Still messing with home though. 4) Then you have a personal loan. Maybe getting the maximum amount and taking care of the problem and maybe combine any additional debt with what is left. We have no cash reserves right now because every bit was used while separated for half a year to care for myself and kids and get out of debt in case things ended in divorce. Option four is at top of our list although it means an additional bill that may slow down getting out of debt. Refinancing means starting over and potentially not getting the same great rate. Daughter also getting ready for college and will need a ride. So want to be able to co-sign if needed. She is working. Another option. Hubby could continue to crawl under the house until tax time next year but I fear the repair cost would double for that simple fact. Home equity loan or line – never done and so unsure since it involves our one and only home. Ideas anyone? I hope posting was in correct place.
  17. Hi All, I’m considering refinancing my husband’s car - 2013 Santa Fe Sport, roughly 69k miles financed with Wells Fargo Dealer Service. Our current monthly payment is $521. Hindsight it was a bone head move but a lesson learned. I recently applied with NFCU, denied straight out the gate due to BK7 DC in Jan 2017, accounts too new and too many recent inquiries. Apped with Affinity Federal CU. They countered offered with a less amount at 11.73 percent interest rate not great. Since hearing great things about DCU I bit the bullet and applied. I received the acknowledgement email, received notification of credit report inquiry and on Saturday received an email saying they made a decision and mailed me a letter but to call if I’d like to discuss prior to receiving the letter. Not sure if it’s a denial. So nervous. Mind you we have no negatives except for BK7. Scores are in increasing and have low DTI. This is the email I received Saturday: Thank you for your recent loan application at DCU. We have made a decision on it and you will receive a letter in the mail shortly. If you would like to discuss your application prior to receiving the letter, please contact our Information Center at 800-328-8797. The hours of operation are Monday through Friday 8am-9pm EST and Saturday 9am-3pm EST. Anyone familiar with the process? May I ask, how did you apply? How long did it take them to respond? Was it via email? Are you a member? I plan to call tomorrow morning but would like to hear anyone’s first hand experience Any details you can can provide is appreciated. Thank you!
  18. I recently purchased a car, and dealer financed with Capital One. I am trying to get it refinanced, but need a lender who uses transunion. My score is significantly higher with them.
  19. Hi All, I’m wondering if it’s worth it/possible to Refi more than once? Ie if there are no fees from a credit union... Here are the details. My current loan is with Penfed 4.9% with a remaining balance of $16,850 (8 months already paid out of 60) I wanted to wait to bring my score up more, but NFCU has that $250 incentive to refi by May 31st. I wanted to wait to bring up my score more but this is an interesting offer. So, say NFCU approves me for something like 3.25% (Not the 1.99 that I ideally want) In theory, Could I take the refi and bonus, then refi 9-12 months later for 1.99% if that becomes available? Btw the vehicle: 2017 civic sedan ex w/sensing Sent from my iPhone using Tapatalk
  20. Hello Everyone, I have not posted here in a while, and wanted to see if you can provide some input. Currently. 3.75% for an FHA 30 fixed with $290 a/month MIP remaining balance about $285k House worth about $350K Refinance estimations 4.125% APR on a conventional, NO MIP Refi Loan either for the balance, or with a $15k cashout will this be worth it? I have not applied yet, but my goal is to remove my MIP, and save those $290 a month on my monthly payment. and wondering is also getting the cashout is a good option.. please advise, thanks..
  21. Ok here goes I got a divorce 2010 and in the divorce papers ex got the house. I also signed a QC the day divorce was final. She was to refinance with in a year. She has not refinanced as of yet and I want to buy a house. She has kept up with payments but here is what she is coming at me with. Says there is a second mortgage of $3700.00 and HUD will not refinance for her until this is paid and she is asking me for half of that. I am thinking I am 100% in the clear because of the divorce papers saying she gets the house plus the Quick Claim Deed that I signed. Can I even buy a house with the house I QC to her on my credit (yes I checked and it is showing on my credit) Please any help is good Thank you
  22. I'm looking to refinance my mortgage soon and I have a few things I'm looking to clean up between now and then. As of the last few weeks one of the last blemishes on my reports dropped off. All that is left are 2 satisfied judgments, when I bought my house in July '12 they were verified with the courts as being satisfied. One of which we had to have them file the paper with the court to report as such, the other was confirmed when my LO requested the doc from the court. Both of these are scheduled to drop off my reports in 2015. Unfortunately both show on EX but EQ and TU only show 1 (ironically they each show the opposite of the other CRA). My first question: Should I try to dispute them or should I try to have them vacated via the courts then removed? (from what I understand in UT I can file a motion to vacate but I haven't consulted an attorney yet).My scores have been ranging in the mid 600's due mostly to high utilization, AAOA and inq.'s. on EX 17 now with 5 from my mortgage gone by end of May, I have 10 from '13 due to an app spree last may and a car I purchased in Aug. 13 on EQ also with 5 dropping off by end of May. TU only shows 2 which were last month and I can B* them if I really need to. I recently, hasn't reported yet, got a huge CLI on my Discover that will drop my utilization there from 90 to 30 and have done some other shuffling to have more of my cards report a $0 balance. The end result should bring my overall utilization near 40% with less of my cards reporting a balance. By the time I do the refi I will have paid more of them down/off so I should be around 20-30% overall then. Side note, long term I'm going to close accounts for cards with high APR's and less than a 2k CL but I'm not closing anything until I have better terms on my mortgage. Pre-refi I am looking to open a card with Navy Fed to BT balances off smaller cards with higher APR's and util but they denied me yesterday (I'm going to appeal but apparently I need to wait for denial letter). I have around 4k I'd like to remove from other cards but 3k would allow me to be sure none of those are over 40% util so I'm hoping to get about a 10-15k limit with Navy. In Aug my 0% intro on my Discover is done so I'm planning to see about opening a card with a 0% BT offer that will give me at least a year to pay that off. My GF and I just got her 0% card paid off today since that intro was up in May and will be working on mine now so I estimate I'll only need to move 1000-1500 over. I realize that yet more new accounts isn't good for FICO but so far it seems to be better than high util and I really don't want to pay interest on the Discover balance if I can help it. I've poured over the Credit Pulls data for the Chase Slate and Citi Diamond cards. I think I can get approved for one of them but I'm not sure and I'll need to wait until about May to be sure all the changes last month and the amounts I'm paying down this month will report. I expect all of that will take until June-July which is ideal for my refi but I'm not sure where rates are going to go. I'd like to wait on my refi because I want to have 24 months of payments on my mortgage and so I don't have to list my old address. I'd like to have nothing to do with that address primarily due to some drama with my old landlord (long story that is tangential to this post). I'm thinking I want to do my refi with Navy Fed. After going through many loan programs offered by several lenders their 5/5 ARM with no PMI sounds really nice since my goal is to drop about $200/mo and it looks like I may be able to keep my current rate for the first 5 years. I'm sitting at owing 192k and the house is worth about 230k so I'm really close on LTV. When I bought the house I had to use a local program that offered 100% financing and the first is FHA so I'm stuck with PMI for at least 5 years (I was fortunate to not get caught with the new PMI rules). So my next question is: Can anyone tell me about their experience getting a mortgage through Navy fed?To make a long post more of a novel... I tried to cover any questions that might come up but my general question is for advice. I'm really trying to restructure my debt while I pay everything down/off and the house is the biggest hurdle that I think I can make a bit lower.
  23. Awhile back, in September of '11, my father co-signed with me (actually, according to the loan terms, I co-signed him) so I could buy a truck. I financed about 10k at 15.99 on an 04 F150 that now has 119,000 miles on it. I've switched jobs in December of '11 to a higher-paying one, and I'd like to try and refi the truck to be entirely in my name. Is there any lender out there that would be willing to refi such an older/high mileage vehicle? If it helps any, the last time I checked KBB it was worth about $8k, I have a little over $7900 left of the principle, and I have made every payment on-time except the January one this year, which was 26 days late. Thanks!
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