04-16-2015 10:04 AM
Im not to sure about foreclosure when you've filed BK, but if you click on this link, and referr to page 2 and 3 this might help
04-16-2015 01:45 PM
I submitted a request for suppression on 4/13/15 and I haven’t heard anything as of yet but I resubmitted a request today. My lender pulled my CAIVRS and it was still on there yesterday. I also have specialist working on the clearance and he said he doesn’t know how long it will take to remove it.
04-16-2015 02:53 PM
We called and emailed on a daily basis. It took more than 2 weeks, possibly more than 3 - I lost count after awhile - for someone to finally get back to us. The key is to make sure you have a 'ticket number'. When I finally got an email response it was from a woman from HUD that identified herself as the 'caseworker's boss'. His name was David I believe. She stated that she was sorry no one had gotten back to us, but that the CAIVRs had been suppressed more than a week earlier!! David was supposed to have called us - and we were calling him on a daily basis - and let us know. He didn't. I truly believe they are overwhelmed with all this but they surely need a much better system to handle it.
Just keep trying and don't give up!
04-16-2015 03:06 PM - edited 04-16-2015 03:06 PM
After my follow up email today, I received a reply stating, “Suppression was put in last week and we are hoping to hear something back soon. This office no longer processes suppression ourselves”. Today makes a week, so hopefully all will be cleared by the end of next week. Its a click of the button, so im not sure why it takes weeks.
04-17-2015 10:48 AM
OUR CAIVRS IS CLEAR!!!!!!!!!!!!!!!!!!!! We rec'd an email from HUD this morning saying it was cleared and to have our lender re check CAIVRS. So our lender just called and said its HAS BEEN CLEARED. I want to thank everyone on this BLOG. If it wasn't for this BLOG and all of the people that have given us hope we would have lost $5k and our dream house.
To everyone going threw the same thing, I have found that the best thing to do is call the 877 # indicated in earlier blogs and get a ticket #, read the HUD regulations I posted earlier and if you feel that your lended did not follow your states time frames, be persistant and referr to the HUD Mortgagee Letter.
I was persitant but nice. Everyone at the 877# was very helpfull except for one person. I just finished my call with him and called right back.
HIPP HIPP HORRAY
04-24-2015 10:49 AM
I received an email today telling me my CAIVRS was clear. It took a little over 2 weeks from the day my case was reviewed. Stay positive, stay strong and don’t give up. I want to thank everyone who participated in the forum because it helped. Blessing to all that are working hard to get their name removed from this evil list.
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.