This is Alexander Borge from CCMS please feel free to ask me any questions on credit repair today! I'll be here chatting live until 8:30 a.m.
@kev122 I do understand your concern but please keep in mind that once something is removed from your credit report, it takes up to 90 days to see a difference in your credit score. Also each time you check your credit score please make sure that it's a soft hit, because soft hits do not effect your credit score but a hard hit will. You may want to sit down with a credit counselor to have them review your credit report and go over a few things with you.
@Terry - Hi Terry I do not recommend that, maybe you should consider using an HUD approved credit counseling agency such as CCMS to assist you. Credit Counseling agency work with creditor to get you lower interest rates and low monthly payment. If you would like to speak more in detail please feel free to contact me at firstname.lastname@example.org
@Lola Lola, I do understand no one wants to get rip-off. You might want to speak with a legal adviser to see can be done.
Hi Jerry, have you started the loan mod process as of yet? If so Have you tried using a HUD Approved Agency to assist you. Sometimes another voice can get better answer.
@Kris Dorsey In what way Kris
@tom Hi Tom, Yes, there are some free agency out there. We are a HUD approved agency and we can assist you. Please feel free to contact me at email@example.com. We work with your creditors to get you low interest rates and monthly payment.
@jerry Okay approximately how many months behind are you? we offer an program that assist people that are under employed or unemployed with their mortgage. You can contact me at firstname.lastname@example.org and I can get you to the right people who can assist you. We also are a HUD approved agency that have counselors that can work with you on a Tier Loan Mod.
@Kris Dorsey Hello Dorsey do you have a question
@tom Hello Tom normally it can only stay on your credit report for 7 years. But once you start paying on that debt the cycle starts over. If you never started paying on those debt they should have been wipe off. Please contact me at email@example.com and I can get you some more detail info
@jerry Jerry please call me at 561 454 5646 tomorrow I'm in the office from 9am-5:30 and let's see what we can do
@lisa LIsa yes I would because HUD have standards that have to be upheld. Please feel free to contact me at firstname.lastname@example.org
@jerry Yes my direct line is 561 454 5646
@Sue B. Hi Sue you can obtain a free credit report from all three credit bureaus. Credit scores are not free. You will pay for your credit score. You can contact Alex Borge at email@example.com and he can provide that information for you at a low cost of $15.00 and also explain it to you when concerning home purchases
@tom No problem, look to speak with you soon
@mary mergler Not really but if you are not require to maintain a balance on the credit it can help boost your score by maintaining it
@mary mergler Not really but if you are not require to maintain a monthly balance on the cards, it can help boost your credit score by maintaining them
@ Mary mergler you are welcome
@Liz Question have you seen any charges that you did not charge on your card or credit report. You can dispute those charges and note it as fraud and have those charges removed. If so it will take a few months to see it come back to normal but please check your credit report first.
@Liz If you have seen some charges that are not your we have dispute letter. Please feel free to contact us at firstname.lastname@example.org
@Jenn Unfortunately we do not work directly with this but please contact me at email@example.com and I will get some info for you that can help you