Credit Card Center Advertiser Disclosure†
10-24-2014 08:00 AM
11-18-2014 10:04 AM
11-18-2014 10:14 AM
The exact thing happened to my fiance last december 2013. We were just looking at houses for fun, then we found one we really liked. My fiance filed for bankruptcy in july 2010 and his credit score was back up to where it almost was before all of this. He decided to go try for a loan. Long behold he was preapproved and we went to the house fell in love and got the ball rolling. Did inspections and had a closing date. Then it went to the underwriters and they called us new years eve to tell us they rejected our loan because my fiances name was on the caivrs report. We tried to go with another lender who was trying to get his name off but she was taking to long and we had to be out of our other house. They found out Bank of America didn't pay until March 2013 instead of 2010 when everything was filed. So we were told we have to wait until march 2016 until we can get the fha or usda home loan. I'm just wandering could he try to email or call to get his name removed now, so we can try to buy a house? His credit is great and they told him when he called last time ot was showing a zero balance and he owes nothing the second lendor said it may not take long, but she was so busy with other things we lost the house and are still renting....how would we go about all this? Is it simple or is it depending on each individual case? Thanks any answers would help!
YES! Have him send his information (Case Number) and request for removal and why he thinks he should be removed to the email address listed at the beginning of this Thread. It took all of 48 hours for them to remove us from CAVIRS.
12-13-2014 08:52 AM
12-13-2014 02:27 PM
12-13-2014 09:06 PM
12-15-2014 10:31 AM
12-15-2014 11:40 AM
This is the email I sent my "story" to. email@example.com.
It is suppose to be 3 years from the date that HUD paid the claim. Our bank sat on it for a 1.5 years. They did not file the claim with HUD until after our home had been through the Bankruptcy process, they had taken the home back and sold it to another person so technically that was making us ineligible for another FHA loan for 4.5 years, not 3. I sent my "story" to the email address above and asked them to please advise me on how I can be removed from Cavirs. They responded within 2 days with "you have been removed from Cavirs".
I wish you well, it was a Godsend for us. Just send the email with all the information you have, date Bankruptcy was discharged, date house sold, Cavirs report number, full names, I even included our Social Security numbers to avoid going back and forth with them. We were removed within 2 days and closed on our new home on October 10, 2014.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.