Hello, thoughts please. A little over three years ago, we lost our home to foreclosure due to a job loss and a medical emergency, thirty days apart. All is well health wise now, and great stable jobs. My situation, we had a first and second loan, both purchase money loans in California, with the same lender. The first loan foreclosed and the second shows up as a charge-off on our credit reports. In addition, the second loan as been sold twice. The old CA is showing a charge-off balance and so is new new CA the loan has been sold to, is this correct? It's the same debt. Can they show the same debt (chargeoff) twice? Our lowest credit score is 600 and the highest is 667. We want to buy another home in a year or so.
Thank you.
In the garden, Sep 10, 2015.
