topic Re: F I N A L L Y, I, R E F I 'D!!!!!!!!!!!!!! in General Credit Topics https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/91741#M53784 <DIV>Don't we know it!!!!&nbsp; ALL the time!!!</DIV><DIV>&nbsp;</DIV><DIV>You know I called Countrywide 4 or 5 times trying to get them to help me.&nbsp; They would not budge.&nbsp; I gave the CSR my info and the hardship that a $3K mtg. payment would cause and sent over to their workout division.&nbsp; Never got a call, never got a letter.&nbsp; Finally, on the 30th of October, I got the call from my broker that we were closing that day.&nbsp; I would have had to go into foreclosure or try to short sale the house.&nbsp; I am happy to get a breather for 2 months.&nbsp; House going on the market in March.&nbsp; Never want this kind of stress again.</DIV><DIV>&nbsp;</DIV><DIV>Eve</DIV> Mon, 05 Nov 2007 13:03:59 GMT Anonymous 2007-11-05T13:03:59Z F I N A L L Y, I, R E F I 'D!!!!!!!!!!!!!! https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/90562#M53448 <DIV></DIV><DIV>Hey All,</DIV><DIV>&nbsp;</DIV><DIV>Eve here.&nbsp; Just wanted to say that whoever was praying for me got through to the Kingdom.&nbsp; Finally closed on Tuesday.</DIV><DIV>&nbsp;</DIV><DIV>Rate is 8.7%</DIV><DIV>Pymt&nbsp; $3K</DIV><DIV>All debts are paid except 2 cars, which is fine</DIV><DIV>30 year fixed, FHA</DIV><DIV>Still have $42K in equity in the house</DIV><DIV>&nbsp;</DIV><DIV>Planning to refi again in April/May 08 for lower rate</DIV><DIV>&nbsp;</DIV><DIV>Thanks again...</DIV><DIV>&nbsp;</DIV><DIV>Evelyn</DIV><BR /><BR />Message Edited by myhearts07 on <SPAN class="date_text">11-02-2007</SPAN> <SPAN class="time_text">04:46 PM</SPAN> Fri, 02 Nov 2007 21:46:05 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/90562#M53448 Anonymous 2007-11-02T21:46:05Z Re: F I N A L L Y, I, R E F I 'D!!!!!!!!!!!!!! https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/90564#M53449 <DIV>Thats terrific news myhearts...Havent heard from you on the boards in a while..Glad to know everything worked out...<img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /></DIV> Fri, 02 Nov 2007 21:48:25 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/90564#M53449 Anonymous 2007-11-02T21:48:25Z Re: F I N A L L Y, I, R E F I 'D!!!!!!!!!!!!!! https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/90568#M53451 <DIV>Thanks, Bren.&nbsp; I am fine..&nbsp; had to step away, had gotten really stressed because we were trying so hard and working so hard on our scores and not being late and nothing was working out.&nbsp; It made me sick and I ended up in the hospital with 3 bulging disks and some spinal damage.&nbsp; Ain't that nothing?&nbsp; Don't know how or when it happened, just know I couldn't walk or move, just sheer pain.</DIV><DIV>&nbsp;</DIV><DIV>Back on my feet and finally a much needed break from stress.&nbsp;</DIV><DIV>&nbsp;</DIV><DIV>Evelyn</DIV> Fri, 02 Nov 2007 21:51:50 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/90568#M53451 Anonymous 2007-11-02T21:51:50Z Re: F I N A L L Y, I, R E F I 'D!!!!!!!!!!!!!! https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/90573#M53454 Oh Evelyn, that is such wonderful news! I'm sure you all are thrilled. I am just hearing about it. Hearty congrats!!<BR /><BR />Hope you are healing well with the back probs. <img id="smileysad" class="emoticon emoticon-smileysad" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-sad.gif" alt="Smiley Sad" title="Smiley Sad" /> Fri, 02 Nov 2007 21:58:36 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/90573#M53454 Anonymous 2007-11-02T21:58:36Z Re: F I N A L L Y, I, R E F I 'D!!!!!!!!!!!!!! https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/90582#M53460 <DIV>Congrats! Hope you're feeling better.</DIV> Fri, 02 Nov 2007 22:19:33 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/90582#M53460 Anonymous 2007-11-02T22:19:33Z Re: F I N A L L Y, I, R E F I 'D!!!!!!!!!!!!!! https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/90617#M53470 Glad you're back with us, and the refi went through. Whew! Fri, 02 Nov 2007 23:53:32 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/90617#M53470 haulingthescoreup 2007-11-02T23:53:32Z Re: F I N A L L Y, I, R E F I 'D!!!!!!!!!!!!!! https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/90714#M53497 <DIV></DIV><DIV><BLOCKQUOTE><DIV>CONGRATULATIONS!!!</DIV><DIV>&nbsp;</DIV><DIV><img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" />&nbsp; ...Glad to have you back!</DIV></BLOCKQUOTE><BR /><DIV></DIV></DIV> Sat, 03 Nov 2007 04:14:52 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/90714#M53497 Anonymous 2007-11-03T04:14:52Z Re: F I N A L L Y, I, R E F I 'D!!!!!!!!!!!!!! https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/90806#M53526 About time-<BR /><BR />We are so happy for you- Sat, 03 Nov 2007 14:56:04 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/90806#M53526 Anonymous 2007-11-03T14:56:04Z Re: F I N A L L Y, I, R E F I 'D!!!!!!!!!!!!!! https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/91206#M53651 <DIV>Congrats!!</DIV> Sun, 04 Nov 2007 05:52:29 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/91206#M53651 Anonymous 2007-11-04T05:52:29Z Re: F I N A L L Y, I, R E F I 'D!!!!!!!!!!!!!! https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/91616#M53760 <DIV>Thanks you guys!!!!!!!!</DIV><DIV>&nbsp;</DIV><DIV>Eve</DIV> Mon, 05 Nov 2007 03:38:07 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/91616#M53760 Anonymous 2007-11-05T03:38:07Z Re: F I N A L L Y, I, R E F I 'D!!!!!!!!!!!!!! https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/91724#M53782 <DIV>Eve,</DIV><DIV>&nbsp;</DIV><DIV>I am glad to see you are doing well and that you got your refi.&nbsp; As the song goes, "He may not come when you want him, but He'll be there right on time!"&nbsp;&nbsp; God is so good.&nbsp; Congrats!</DIV><DIV>&nbsp;</DIV><DIV>Beth</DIV> Mon, 05 Nov 2007 11:31:13 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/91724#M53782 Anonymous 2007-11-05T11:31:13Z Re: F I N A L L Y, I, R E F I 'D!!!!!!!!!!!!!! https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/91741#M53784 <DIV>Don't we know it!!!!&nbsp; ALL the time!!!</DIV><DIV>&nbsp;</DIV><DIV>You know I called Countrywide 4 or 5 times trying to get them to help me.&nbsp; They would not budge.&nbsp; I gave the CSR my info and the hardship that a $3K mtg. payment would cause and sent over to their workout division.&nbsp; Never got a call, never got a letter.&nbsp; Finally, on the 30th of October, I got the call from my broker that we were closing that day.&nbsp; I would have had to go into foreclosure or try to short sale the house.&nbsp; I am happy to get a breather for 2 months.&nbsp; House going on the market in March.&nbsp; Never want this kind of stress again.</DIV><DIV>&nbsp;</DIV><DIV>Eve</DIV> Mon, 05 Nov 2007 13:03:59 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/91741#M53784 Anonymous 2007-11-05T13:03:59Z Re: F I N A L L Y, I, R E F I 'D!!!!!!!!!!!!!! https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/91794#M53808 <DIV>Congratulatons Hearts!&nbsp; What is your fico score?</DIV> Mon, 05 Nov 2007 15:24:08 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/91794#M53808 TULO30 2007-11-05T15:24:08Z Re: F I N A L L Y, I, R E F I 'D!!!!!!!!!!!!!! https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/91812#M53816 <DIV>EQ&nbsp;&nbsp; 590 EX 584 TU 610.&nbsp; I hope they go up after everything gets paid off. Then I will just focus on on-time payments and getting score up to at least 650 across the board.</DIV> Mon, 05 Nov 2007 15:57:12 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/91812#M53816 Anonymous 2007-11-05T15:57:12Z Re: F I N A L L Y, I, R E F I 'D!!!!!!!!!!!!!! https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/92117#M53890 <DIV>Congratuations!! Countrywide did us the same way- loved us and wanted us badly 5 yrs ago- and wouldn't touch us w/a ten foot pole couple mos ago.</DIV><DIV>&nbsp;</DIV><DIV>Worked out for the best- got our refi at 7.49 w/ absolutely NO FEES thru local credit union!!!</DIV> Mon, 05 Nov 2007 23:32:24 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/92117#M53890 Anonymous 2007-11-05T23:32:24Z Re: F I N A L L Y, I, R E F I 'D!!!!!!!!!!!!!! https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/92601#M54044 EVE...Very nice to see you back in the forum. A 'well done" on the refi. Just hope that you remember my "words of wisdom" about not getting stressed out over financial set backs. Time is the most important asset you have when it comes to money matters. Also`, my offer of a dozen roses is still on the table. Take care! 800/803/813 Tue, 06 Nov 2007 17:55:46 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/92601#M54044 hifiko 2007-11-06T17:55:46Z Re: F I N A L L Y, I, R E F I 'D!!!!!!!!!!!!!! https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/92633#M54055 <DIV>Thank you, HiFiko!!!!&nbsp; No need for roses, they are in the caring words of you all...&nbsp;</DIV><DIV>&nbsp;</DIV><DIV>Eve</DIV> Tue, 06 Nov 2007 18:35:47 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/F-I-N-A-L-L-Y-I-R-E-F-I-D/m-p/92633#M54055 Anonymous 2007-11-06T18:35:47Z