12-10-2012 11:06 AM
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.
12-10-2012 03:16 PM
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..
05-12-2013 01:20 PM
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.
05-12-2013 03:39 PM
05-12-2013 09:05 PM
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!
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.
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.