I would keep calling ACS, try to get up the chain a bit.. someone there has the power to fix this.
Really? When I called this morning the last supervisor I spoke with said "I can see you called about this same thing on 12/5, and were told the reporting stands" They told me to stop calling and asking. I would keep on calling, but I am seriously getting in trouble for spending so much time trying to fix this when I should be working. I get so upset that I feel like I am going to throw up and I get absolutely no where with them.
I am in the same boat and was turned down due to charge off in my credit.. I spent couple of hours everyday and collections call me.I ignore their call since I do not know what to do..
Feb 2009 - Foreclosure on 1st. and Second Loan - Charged off Unpaid.
a) Do i Need to pay the collection ( second is 89,000 /- Showing as zero in my CR. with a status as CO )
b) I am trying to figure out the SOL period for all HELOC loans in Virginia.
Can you tell me how did you settle with these guys..
please let me know..
I got so excited about my loan closing...didn't even update this link. I closed on 12/28/12. i have been enjoying my house for the past few months. Feels really great to be a homeowner again. Please read my story on page 1 or 2 for those people who are in a difficult credit rebuild situation. It can be done with patience and persistance.
So 6/6 will be 2 years from my BK7 discharge. I have been working my ass off (2 full time jobs 100+ hrs/week, reading everything on here, and using all the tricks to fix up my credit). I will find out my scores beginning of June and I will have under 5% util at that time. I should be closing in on 700 at the high end and 670-680 at worst.
Any advice before I apply for a mortgage? It will have to be FHA. Anything you guys can share about what to do or NOT to do would be greatly appreciated!
Get a broker and a realtor. Try to find referrals from people who have had good experiences.