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msensa wrote:Because it's reporting as an unpaid installment...my broker doesn't think FHA will like it. It reports monthly as unpaid!!I've had some success with PFD, and gotten a couple things deleted that were erroneous. It just burns me alive that this bank says "they can't" do it. They should just have the guts to say "we won't" do it.
cheddar wrote:Whether it is worth $100 to have an attorney prepare a letter for you is a question only you can answer yourself. Is a better chance at getting an FHA loan worth $100 to you?
I don't think it would deny your chances at an FHA loan, worst case is that it would be required to be paid in order to get approved - meaning at closing of the loan you'd have to pay out the $125 to Forcht Bank. Odds are since it's 3 years old, and such a small amount, it wouldn't have to be paid though.
msensa wrote:This bank turned an overdrafted checking account into an installment loan when I didn't comply in their time frame. It's reported as an unpaid installment loan for now 3 years. I just found out this was on my credit recently...I've contacted them and offered to PFD--all the way to the bank officers--they're saying THEY CAN'T!! It's only $125!!! They will only update it as paid, but will not delete, they say they cannot!! What do you do when this is their response?My mtg broker wants me to pay an atty to send them a letter asking for the same thing...is it worth the $100 or so that will cost me? My BK atty will do it, but they think it's futile as well. This is really hurting my score and I'm so mad they won't cooperate!Any advice???