topic Advice to get My Luft Balloon (credit score) to Flying High & Free! in Rebuilding Your Credit

Advice to get My Luft Balloon (credit score) to Flying High & Free!

Anonymous — Sun, 07 Aug 2016 17:51:32 GMT

Payment Status

120-149 Days Late

Date of Last Payment

Aug 01, 2012

Okay, my dirty laundry. I was married from 2000 until my divorce was finalized in 2010.

I left the marital home end of 2009. I let him have the house. It was amicable.

Around the end of February of 2010 he needed me to do a quick-quit deed so that he could refinance the mortgage into a modified federal loan. Which was around the time my Mom took sudden illness and I signed not once but twice for a quick-quit deed. This took my name of the deed but not the mortgage. Well my ex had a hard time getting the Bank to move on it and kept dragging their feet. Around 2013 I had a sherriff come to my home telling me the home was being foreclosed on... all news to me. Well here when I finally took my head out of the sand I find out that it was never foreclosed with my name on the deed or the house.

My ex let the payments on the conventional loan go late, I guess then he qualified for the remodification federal home and it transferred to that around August of 2012. I guess he could not make those payments so he then went into foreclosure and they must of realized later that my name was no longer on mortgage or deed. He had a new wife as well. So I think there was mish mash.. cause I never received anything in the mail or any other things being served. It is clear on my credit report as well as all the researching I have done in the interim. Reports show closed date as March of 2013?

So now I have 30/60/90/120 days late on my reports.

I don't want to remove the mortgage itself... cause it adds to my AAoA!

But I have these lates from December 2009 and beginning of 2010 that probably should be removed.

But if I have them removed will that remove my entire mortgage history?

How do I best execute this .. or should I just not poke the bear ?

Its definitely SLOWING My Luft Balloon from flying fast and High!

I live in PA so I am thinking they will stay until March 2017?

Or does it go by first late payment ?

Advice is best needed.

Re: Advice to get My Luft Balloon (credit score) to Flying High & Free!

righthererightnow — Sun, 07 Aug 2016 18:29:13 GMT

I have no answers for this.. but I'm curious to see what the solution is (by someone who knows). That is a complex situation.

Re: Advice to get My Luft Balloon (credit score) to Flying High & Free!

stellar — Sun, 07 Aug 2016 21:04:26 GMT

If you do anything like contact the mortgage company or credit bureaus there is a risk that it will be deleted. You can either accept the risk or leave it as is.

If you choose to take the risk:

I would try to contact the mortgage company with goodwill letters.

But if it were me, I would just try to get it deleted completely. I'd rather have a clean report than try to keep something for AAoA.

Good luck!

Re: Advice to get My Luft Balloon (credit score) to Flying High & Free!

Anonymous — Sun, 07 Aug 2016 21:49:24 GMT

@stellar wrote:
If you do anything like contact the mortgage company or credit bureaus there is a risk that it will be deleted. You can either accept the risk or leave it as is.

If you choose to take the risk:
I would try to contact the mortgage company with goodwill letters.

But if it were me, I would just try to get it deleted completely. I'd rather have a clean report than try to keep something for AAoA.

Good luck!

Im not sure what I would GoodWill cause it was sent to another lender that did the Federal Modified Loan and he did that without my name. So technically all that is left is these 30/60/90/120 late payments before that happened... The bank was payed off. It was the next lender that the foreclosed with and without my name on either the mortgage nor the deed. So I have no responsibility.

I believe in PA all will be gone by March 2017 that is why I in a way may sit it out.. so far I have grown my scores from mid-high-500's to where they are currently. I am in the garden. I don't want to name the initial mortgage bank I was with .. but they are well known, but one of the problems my ex had was communications with this bank. Because the mortgage customer service is in India and they were very difficult with communicating with ... back at one time I was in middle of changing jobs. Back in 2007 and I communicated with them and they promised me to pay a mortgage payment and 1/3 and do that for 3 months. That was no problem and I did that.. what they did was take that 1/3 and put it in escrow and marked me a month late regardless. So the entire thing was a joke. Definitely a failure to communicate .. I asked then why was that the payment plan. I would of just sat on in until I saved up if I was going to get marked late regardless... so I ended up with 2 months of 30 days late back in 2007. But those fell off. So that is why I am thinking I should hold my breathe. I have no judgements .. I have no one coming at me. I still have good dealings with that bank but in another way. So I just don't want to communicate and them to mess me up and hurt me more than I am already.

I just did not know if anyone had anything as bizarre as this happen weird to them.

Since I have been divorced I have had 3 proposals from different men (not bragging) ...

Just kind of trying to explain how vexing it is with money and finances, which is why I say no.

If I do ever get married again .. I am keeping my name and things separate .. or I am forcing a sale.

I didn't do that with my ex. He's a good guy. Just was a video game addict... which I detested him for..

I wanted children and wasted my best years. We were separated and he started to date his now wife..

She had children and I wanted to let them have a home since their father was abusive to them.

No Good Deed goes unpunished.

Nice people finish last. If I had to do it over again ... I probably would of ..

I just would figure out a different way. Its a shame cause he was doing everything to get me off without selling and dividing.

Lets just say I love children... and though I don't have any it was important that they had a home.

I am tighter and cheaper... and waiting for windfall of money .. maybe not this life time.

Its all good.

I have my Health and my amazing siblings.

Re: Advice to get My Luft Balloon (credit score) to Flying High & Free!

RobertEG — Mon, 08 Aug 2016 07:01:58 GMT

Did the lates occur on the joint loan with your ex?

Re: Advice to get My Luft Balloon (credit score) to Flying High & Free!

Anonymous — Mon, 08 Aug 2016 07:18:00 GMT

I wish I could say but I don't know. I would think if your name was off the home itself and no one has come after you, that you would be okay with the mortgage still on your credit report as in good standing now.

The lates are just that, lates and I think trying to have them removed would definitley help that balloon fly higher.

Re: Advice to get My Luft Balloon (credit score) to Flying High & Free!

Anonymous — Mon, 08 Aug 2016 10:17:43 GMT

@RobertEG wrote:
Did the lates occur on the joint loan with your ex?

Yes even though I was long gone. Then while this was going on, my Mom got ill suddenly and 2 weeks later died, she lived in another state so I had gone to mourn with my family. Most of 2010 was a blur. It is what it is. Sometime you just have to roll with the punches. The lates will start rolling off in January - then there will be a stretch of good then the lates before it changed to federal loan remodification. None of which I had anthing to do with... He went on to that new loan - I guess he had to go late before they would push it thru. I am just a casuality of that. Its fine. They are my only baddies and time will be the cleanser,.