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with Underwriting but now i see negative remarks on my Experian report

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Anonymous
Not applicable
‎02-19-2013 07:23 PM
‎02-19-2013 07:23 PM

Re: with Underwriting but now i see negative remarks on my Experian report

Yeah we had a discussion about it Earlier when  found out about it, the earnest money is less than 2 mths mortgage payments so its worth the risk.  The thing is they are not listed as collection accounts, just two new accounts added by the CA in a closed state with a fail to pay listed for current month, or KD it says.

 

Message 11 of 20
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MovingForward_2012
Valued Contributor
‎02-20-2013 04:41 AM
‎02-20-2013 04:41 AM

Re: with Underwriting but now i see negative remarks on my Experian report

If the collection agency added two accounts with KD, those are considered new collections even though they are marked as closed.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 12 of 20
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Anonymous
Not applicable
‎02-20-2013 08:19 AM
‎02-20-2013 08:19 AM

Re: with Underwriting but now i see negative remarks on my Experian report

ok thanks, not good. but on the bright side - got final approval and file is going to closing dept.  Still no out of the woods I suspect...what goes on in the closing dept?.

Message 13 of 20
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MovingForward_2012
Valued Contributor
‎02-20-2013 08:57 AM
‎02-20-2013 08:57 AM

Re: with Underwriting but now i see negative remarks on my Experian report

My file never went to a closing dept. It was in underwriting and then I got the clear to close. It could have went to a closing dept. and they just didn't disclose that to me. I don't know if the closing dept. is where they setup everything with the title company for closing. Perhaps one of our experts knows what things the closing dept. does? Your file going to the closing dept. sounds like it was cleared through underwriting which would be very good news! Please do keep us informed. Hang in there! :-)
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 14 of 20
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JM-AM
Valued Contributor
‎02-23-2013 07:40 PM
‎02-23-2013 07:40 PM

Re: with Underwriting but now i see negative remarks on my Experian report

Closing...

 

Your are approved, get Clear to Close, and paperwork submitted. You get your HUD and is submitted to you for review, and all your paperwork put in order for closing.

 

Closing department, can be Title Company, Attorney, etc .. etc..

Good Luck
May all your dreams and wishes become a reality!
Message 15 of 20
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MovingForward_2012
Valued Contributor
‎02-24-2013 12:13 AM
‎02-24-2013 12:13 AM

Re: with Underwriting but now i see negative remarks on my Experian report

Please give us status when you can. Thanks.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 16 of 20
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Anonymous
Not applicable
‎03-03-2013 06:45 PM
‎03-03-2013 06:45 PM

Re: with Underwriting but now i see negative remarks on my Experian report

Had an early closing Smiley Happy all went well moving in as I type...thanks for all the nerve calming advice!!

 

Message 17 of 20
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JM-AM
Valued Contributor
‎03-03-2013 06:50 PM
‎03-03-2013 06:50 PM

Re: with Underwriting but now i see negative remarks on my Experian report

Congrats... enjoy your new home...

Good Luck
May all your dreams and wishes become a reality!
Message 18 of 20
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rehr22
Contributor
‎03-04-2013 04:30 AM
‎03-04-2013 04:30 AM

Re: with Underwriting but now i see negative remarks on my Experian report

Wow, what a nailbiter.

 

Congratulations!

@Anonymous wrote:

Had an early closing Smiley Happy all went well moving in as I type...thanks for all the nerve calming advice!!

 

 

Starting Score: (2009) EQ = 626 | TU = 664
Current Score: (03-18-2014) EQ = 737 | TU = 703 | EX = 723
Goal Score: 740

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Message 19 of 20
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MovingForward_2012
Valued Contributor
‎03-04-2013 04:43 AM
‎03-04-2013 04:43 AM

Re: with Underwriting but now i see negative remarks on my Experian report

CONGRATS!!!! You went all in and won! Welcome to the homeowner's club and enjoy your new home!!! :-)
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 20 of 20
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