Early CAIVRS Removal

[Anonymous]

Just an update to the prior post.  We did close on our house on October 27, 2016 as planned.  Key to Caivrs removal, get your Congressman involved!  

[Anonymous]

Can you help me? I have a VA hit in CAIVRS and am in the middle of underwriting. Please email me asap molettenaeem@gmail.com if you can help.

[VALoanMaster]

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@Anonymous wrote:

Can you help me? I have a VA hit in CAIVRS and am in the middle of underwriting. Please email me asap molettenaeem@gmail.com if you can help.

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Hi Naeem,

I replied to your PM.

Call me when you have a couple of minutes to go over the details.

[radfam]

Can anyone tell me how I can check to see if I (or my spouse) are listed on CAIVRS?  I have no idea how to check and google isn't helping.

[VALoanMaster]

You need a lender to check for you.

[Anonymous]

Our situation is a little more unique. We defaulted on our student loans & I paid mine off, while my husbands was paid off when they off-set our joint tax refunds.Once they took enough of them to satisfy his side of the debt, they took it off his credit report.

However, we are now 3 days from closing on our house & our lender was flagged by CAIVRS. We've contacted the creditor who put us there & they want $14k! His loan wasn't even that much BEFORE they took a few years worth of tax refunds! The IRS & Dept. of Education has no records of those off-set refunds. We are trying to get our off-set letters from the Dept. of Fiscal Services. I am hoping that they'll have them or at least be of more help.

Does anyone have a success story to this?

[VALoanMaster]

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@Anonymous wrote:

Our situation is a little more unique. We defaulted on our student loans & I paid mine off, while my husbands was paid off when they off-set our joint tax refunds.Once they took enough of them to satisfy his side of the debt, they took it off his credit report.

However, we are now 3 days from closing on our house & our lender was flagged by CAIVRS. We've contacted the creditor who put us there & they want $14k! His loan wasn't even that much BEFORE they took a few years worth of tax refunds! The IRS & Dept. of Education has no records of those off-set refunds. We are trying to get our off-set letters from the Dept. of Fiscal Services. I am hoping that they'll have them or at least be of more help.

Does anyone have a success story to this?

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What type of mortgage did you apply for?

You should have received a letter telling you that your refund was being off-set at the time. Do you still have a copy?

[Anonymous]

We have never received a single letter letting us know that our refund was being off-set. It surprised us every single time. That's why we don't the off-set letters. We sent a request to get our off-set letters but we were told it could take a few weeks.

[Anonymous]

We never received an off-set letter. Everytime we waited for a tax return & we'd end up having to make phone calls to find out that our tax return was taken.

[justanotheralt]

Have you tried registering on irs.gov\accounts ?  This will let you see online transcripts and records.  If you look on the record(s) for the tax year(s) where you were expecting a refund, it may show you where the funds were sent.