Possibility of a Manual Review?

[lady_texan]

At what point does a manual review happen? Do you request the bank to do it or just bring it up? Next...what will it profit me? I have 4 baddies to go...2 CA a done deal PFD in a week or so....FP will pay 60% and asking for the bal on a new TL....and one that is being handled another route. I have caught up all late pays (the notation is still there) BUT it now says pays as agreed ...can a manual help me out? If not show me the guru way PLEASE!!!

"Trying to enjoy my NEXT 30 years---DEBT FREE!!!"

[SonorityGenius]

A manual review means that your file probably did not pass automated UW;

A human being must review your entire file, and it will NOT profit or help you in anyway unless you have written extenuating circumstance explanation letters for those collections that  a lenient UW may overlook

usually, a manual review is a major pain because of all the little things they may require, I remember reading one member on here was told to submit copies of the last 12 months of utility bill payments!! lol

[lady_texan]

Thanks for responding...I was just wondering because I read it on here somewhere. So basically it could be a mixture of both traditional and non-traditional credit for review. WHEW...hope I dont have to go that route.

"Trying to enjoy my NEXT 30 years--DEBT FREE!!"