@Mark Yes Mark there are plenty of First time home buyer programs available but most are area specific and you will have to fall under certain guidelines to be qualified. If you want information on the different programs that may be available to you then please email me at firstname.lastname@example.org so i can forward you more detailed information.
@Natalie Yes Natalie, what is your question?
@Natalie Its ok, well when you are looking to settle a debt then more then likely you have already missed a few payments so the score may already be negatively effected, but if you are still current then you may want to look into other debt management programs like consolidation. Consolidation will keep your account current and will have minimal impact on your credit score. please email me at email@example.com so I can provide more information on the different programs.
@Nancy Piontkowski typically you are not allowed to finance a house with in 2 years after the bankruptcy, but yes it is still possible to come back to a mortgage ready state. You will ne
@Nancy Piontkowski ...You will need to focus on rebuilding your score with on time credit card payments and maintaining low balances.
@Diane Hello Diane, most people confuse a secured card with a prepaid card. Prepaid does not help the credit but I can assure you that secured cards from any reputable lender will have an impact on credit scores. If you would like to contact me for more details then please email me at firstname.lastname@example.org.
@Natalie most banks are looking for at least a minimum credit score of 620 FICO. So you may already be qualified, but to find out if you are really prepared then you can always join our First time home buyer program so please email me at email@example.com for more information.
@Anglea Hello Angela, unfortunately i will need more information about your situation to give you an answer, please email me at firstname.lastname@example.org to speak more about this matter.
@becky Good morning to you to Becky, odds are the reason they will not modify is because you are able to maintain your payments with out any sign of imminent default, even though your value has dropped that is not grounds for a modification. Also if your payments are not being reported to your credit report then that is an issue you will have to resolve with your servicer(lender). please contact them and notify them that you want your mortgage to report to your credit report bureaus.
@Nancy Hello Nancy, a refi through your lender is possible even if you do not live in the house but you will need to have equity in the house and a qualifying credit score and income. Also you may be able to skip the refi plan and go strait to modification since you have a hardship of lower income. the only problem is most modification programs target owner occupied homes but it is still possible to get a HAMP mod or in-house mod with a rental property but you will need to work directly with your servicer.
@Maria Good morning Maria, usually it doesn't happen right away so I would not be surprised if it was on there for 7 years and 2-4 months but if you want to speed up the process then you can send a dispute letter to equifax along with proof of the discharge date so they can fix it right away.
@Kent Hello Kent, thank you for sharing. Do you have a question?
@Kent Yes it is true that a bank can put forced insurance and pay your taxes for you if you do not make the payments, and these fees will need to be paid because this does mean you are past due with your bank. You can try to work out the options with your bank or if you feel like you have a qualifying hardship then maybe our office may be of assistance with a program to help you catch up like the Florida's Hardest Hit program that may help you pay your arrears. Please email me at email@example.com for more information.
It is now 8AM and I am still here patiently waiting to hear from you, please ask away! - Alexander Borge
@Lori Hello Lori, unfortunately there is no one answer fits all for your question because every situation is different but if you want to contact me directly then I would be happy to help you figure out a plan on how to repair your credit, Please email me at firstname.lastname@example.org for more information.
@Lori see previous answer.
@Jo Good morning, well Jo the safest, most efficient, and cost saving way to settle your debts is on your own. negotiating with the collection companies for lower payouts and making sure you can 100% fulfill the obligation and also getting the terms in writing BEFORE you make any payments is all very important. if you want more tips or other avenues to pay off your debts like a consolidation program then you can email me at email@example.com.
@cspearl187 One thing you need to know is the older the debt the less it matters, now you may still need a co-signer but that all depends on how the rest of your report looks. please use www.annualcreditreport.com to pull your free credit reports and check to see what else may be on the report. if you see you have more positive then negative then you may not need a co-signer.
@Angel Beckler Hi Angel, the fixed income may be a problem when doing a rifi depending on how much you bring in, but if you have equity then you may only need to clean up derogatory accounts depending on if you have any. Please email me at firstname.lastname@example.org for more information.
@Holly Chamberlin Olerich The phone bank number is 1-800-345-WPTV, my office number is 1-561-278-4097.
@Jo also Don't let them know you came into money because that gives them less incentive to work with you. Please email me at email@example.com if you need more information.
@Angel Beckler thank you for your contact info but i am not in the office so please forward that info to my email at firstname.lastname@example.org.
@kev122 you can dispute inquiry's by letter to the credit bureaus only if you did not give written authorization to make the inquiry.