 We want to get a new house, how do we get out from under our old one? |
| My husband and I are looking to sell our home. We used First Time home buyers to purchase it, which means we didn't put a down payment on it. We spent a lot of money on improvements, but ... |
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 If your mortgage rate lock expires due to a short sale process what can I do? |
| My interest rate is locked in 4.875% for 23 days (June 20th), and the closing date for my short sale is the same day. I want to know what happen if I didn't close on June 20th due to a short ... |
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 Need help on this rental issue? |
Do I get my rental deposit back?
2 days ago I got a visit from a realtor telling me the house i currently rent is being put on the market for sale. This was a shock for me and her since she was ... |
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 What Type of Fabric Do You Use Draped In Ceilings To Reduce Noise? |
| I have seen places with high or open ceilings that echo terribly, have fabric draped or looped up in it to reduce the volume of sound in the room or building. Anyone have any idea what fabric or ... |
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I was renting my house and years after I become the owner now at closing
did my landlor need to give me back my deposit at closing? I was thinking she should
however,she never mention my ... |
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 Our workgroup had a meeting in which our managers manager stated she can replace us all with...? |
...younger folk. Is this legal
She asked each of us our tenure and implied we can be replaced with younger people off the street just like I did in Nashville. I am in the electronics field and ... |
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I live in an apartment complex that is far from acceptable standards
the hallways are unkempt the carpeting has gooey nasty stains all over the floor giant scuffs and marks all over the walls ... |
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| Our apartment was recently damaged by a massive hail storm, and as luck would have it, our dishwasher went out 2 days later. Our landlord told us our roof would be fixed after broken windows were ... |
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| I just renewed the lease less then 2 months ago and the house I rent is going up for Sheriff sale by the end of this month. Will I be forced out?... |
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| It's already furnished, and pretty dang big. The rent is $1500 a month and it's two stories two bedrooms. Anyway i'm only 17 and i'm already moving away from home with a roommate, ... |
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| So three years ago my husband put a house in his name for his sister and her family. Unfortunately, he couldn't say no as his mom pressured him and his sister has kids. Well, three years later ... |
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I'm going to be a freshman this fall and I will be getting my own off-campus apartment. I was wondering
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| How can i save the realtor's commision if i buy it myself? Do i save the realtor's commision or does the listing agent receive a double commision? (Please answer this for us, it is a very ... |
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 Breaking a lease without the contract having lease breaking terms? |
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i don't think he has a buy to let morgage and this is a private letting ( no agency)
also ive been waiting over 9 weeks for him to come and fix pipes that are effecting the boiler pressure ... |
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GI Jane | Anyone ever do rapid rescoring in 72 hours (not the scam sights)? |
From lender or broker, I know the others are scams and bs..
How would I go about that?
Husbands credit history suddenly "vanished", leaving no score - no history (mortgage consult thinks it's due to the lenders he had changing names/banks, his loans were paid off so the banks possibly never updated his info in the credit system - or something to that effect), so we have to get that info back on there. His credit history consists 2 car loans, his score was over 740 last we looked. And mine is good, finances, employment, assets etc, every thing's great. Just his disappearing score standing in our way to get a preapproval.
So, how do we go about this?
And why didn't the mortgage consult mention this to us? I was looking online for addresses to credit reporting agencies to get the ball rolling and get his report fixed, average time is about 30 days, then I saw info about rapid rescoring in 72 hours and how those sites are all scams UNLESS done by a lender or broker... Why wouldn't the consult say "hey instead of going nuts waiting a month, we can fix the problem in just a few days"..?
Additional Details
We do save the info flower, but banks do not accept credit reports you hand them for obvious reasons - like new accounts can be opened and they will have no knowledge of it. They have to be able to verify everything themselves. So that's not an option.. thanks anyway. |
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I'm delicate like a flower
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You should have been getting his free credit reports thrice yearly, once from each of the bureaus, and saving them on your computer as PDF documents. It's too late for that now, but start doing so going forward. |
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golferwhoworks
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Rapid re-scoring does work. I do it all the time. Your loan officer may not be hooked up with the program or the software provided by his credit provider.
I am a mortgage banker in TN |
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GVD
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Keep in mind a rapid rescore can be expensive. Average cost is $30 per bureau, per trade line.
Example, if you have 3 accounts, say a car payment and 2 credit cards, this would cost $270.00
3 Bureaus (Experian, Transunion, Equifax) x 3 accounts x $30
Any loan officer wit hthe capability to pull credit reports can do this, there is no special software needed; they just order it. |
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