Forum Replies Created
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AuthorPosts
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dharmagirl
ParticipantI would not recommend using “credit cleaning” agencies.
ANYONE can do the things that they charge money for. One of my best friends was almost bankrupt a few years ago. Her credit scores were in the 500s.
She had some terrible issues with medical collections in particular, and then found this forum: http://www.creditboards.com/forums/
She told me that a poster called WhyChat has a whole “process” for getting medical collections removed. She followed it and it allegedly worked. Well, it must have because she bought a house in Austin, TX last year and had no problems.
She did everything that the posters advised and she tells me her credit scores jumped back into the 700s within 4-6 months.
I have visited this forum myself and followed some of the tips – obtain your credit reports, update addresses, opt out, dispute inaccuracies, etc. That alone took one of my credit scores from 725 to 780.
SO….the moral of my story is: dont pay some shyster to do this for you. Take charge of your own credit. It’s actually satisfying to get errors fixed and clean things up.
ParticipantI would not recommend using “credit cleaning” agencies.
ANYONE can do the things that they charge money for. One of my best friends was almost bankrupt a few years ago. Her credit scores were in the 500s.
She had some terrible issues with medical collections in particular, and then found this forum: http://www.creditboards.com/forums/
She told me that a poster called WhyChat has a whole “process” for getting medical collections removed. She followed it and it allegedly worked. Well, it must have because she bought a house in Austin, TX last year and had no problems.
She did everything that the posters advised and she tells me her credit scores jumped back into the 700s within 4-6 months.
I have visited this forum myself and followed some of the tips – obtain your credit reports, update addresses, opt out, dispute inaccuracies, etc. That alone took one of my credit scores from 725 to 780.
SO….the moral of my story is: dont pay some shyster to do this for you. Take charge of your own credit. It’s actually satisfying to get errors fixed and clean things up.
ParticipantI would not recommend using “credit cleaning” agencies.
ANYONE can do the things that they charge money for. One of my best friends was almost bankrupt a few years ago. Her credit scores were in the 500s.
She had some terrible issues with medical collections in particular, and then found this forum: http://www.creditboards.com/forums/
She told me that a poster called WhyChat has a whole “process” for getting medical collections removed. She followed it and it allegedly worked. Well, it must have because she bought a house in Austin, TX last year and had no problems.
She did everything that the posters advised and she tells me her credit scores jumped back into the 700s within 4-6 months.
I have visited this forum myself and followed some of the tips – obtain your credit reports, update addresses, opt out, dispute inaccuracies, etc. That alone took one of my credit scores from 725 to 780.
SO….the moral of my story is: dont pay some shyster to do this for you. Take charge of your own credit. It’s actually satisfying to get errors fixed and clean things up.
ParticipantI would not recommend using “credit cleaning” agencies.
ANYONE can do the things that they charge money for. One of my best friends was almost bankrupt a few years ago. Her credit scores were in the 500s.
She had some terrible issues with medical collections in particular, and then found this forum: http://www.creditboards.com/forums/
She told me that a poster called WhyChat has a whole “process” for getting medical collections removed. She followed it and it allegedly worked. Well, it must have because she bought a house in Austin, TX last year and had no problems.
She did everything that the posters advised and she tells me her credit scores jumped back into the 700s within 4-6 months.
I have visited this forum myself and followed some of the tips – obtain your credit reports, update addresses, opt out, dispute inaccuracies, etc. That alone took one of my credit scores from 725 to 780.
SO….the moral of my story is: dont pay some shyster to do this for you. Take charge of your own credit. It’s actually satisfying to get errors fixed and clean things up.
ParticipantWe WILL have a mold inspection because I’m allergic to mold and dust…I can really feel for your wife and dont want to live in a house that will make me physically sick…
DharmaGirl
Temecula, CAParticipantWe WILL have a mold inspection because I’m allergic to mold and dust…I can really feel for your wife and dont want to live in a house that will make me physically sick…
DharmaGirl
Temecula, CAParticipantWe WILL have a mold inspection because I’m allergic to mold and dust…I can really feel for your wife and dont want to live in a house that will make me physically sick…
DharmaGirl
Temecula, CAParticipantWe WILL have a mold inspection because I’m allergic to mold and dust…I can really feel for your wife and dont want to live in a house that will make me physically sick…
DharmaGirl
Temecula, CAParticipantWe WILL have a mold inspection because I’m allergic to mold and dust…I can really feel for your wife and dont want to live in a house that will make me physically sick…
DharmaGirl
Temecula, CAParticipantHi SDR,
I’ll be sure to check that out.
We found out that we can do VA financing. And, becaise my husband is technically a disabled veteran, I think we are exempt from the origination, funding fee and PMI. It seems like a great deal.
This REO purchase price is well under what we expected to have to pay. Our lender has suggested that we dont put the full 20% down since there is no PMI. He suggested that we put 5 or 10% down and use the rest of our money on improvements like hardwood flooring or landscaping.
SDR, any thoughts or “gotchas” on VA financing? Thank you again for your wealth of knowledge and information!
DharmaGirl
Temecula, CAParticipantHi SDR,
I’ll be sure to check that out.
We found out that we can do VA financing. And, becaise my husband is technically a disabled veteran, I think we are exempt from the origination, funding fee and PMI. It seems like a great deal.
This REO purchase price is well under what we expected to have to pay. Our lender has suggested that we dont put the full 20% down since there is no PMI. He suggested that we put 5 or 10% down and use the rest of our money on improvements like hardwood flooring or landscaping.
SDR, any thoughts or “gotchas” on VA financing? Thank you again for your wealth of knowledge and information!
DharmaGirl
Temecula, CAParticipantHi SDR,
I’ll be sure to check that out.
We found out that we can do VA financing. And, becaise my husband is technically a disabled veteran, I think we are exempt from the origination, funding fee and PMI. It seems like a great deal.
This REO purchase price is well under what we expected to have to pay. Our lender has suggested that we dont put the full 20% down since there is no PMI. He suggested that we put 5 or 10% down and use the rest of our money on improvements like hardwood flooring or landscaping.
SDR, any thoughts or “gotchas” on VA financing? Thank you again for your wealth of knowledge and information!
DharmaGirl
Temecula, CAParticipantHi SDR,
I’ll be sure to check that out.
We found out that we can do VA financing. And, becaise my husband is technically a disabled veteran, I think we are exempt from the origination, funding fee and PMI. It seems like a great deal.
This REO purchase price is well under what we expected to have to pay. Our lender has suggested that we dont put the full 20% down since there is no PMI. He suggested that we put 5 or 10% down and use the rest of our money on improvements like hardwood flooring or landscaping.
SDR, any thoughts or “gotchas” on VA financing? Thank you again for your wealth of knowledge and information!
DharmaGirl
Temecula, CAParticipantHi SDR,
I’ll be sure to check that out.
We found out that we can do VA financing. And, becaise my husband is technically a disabled veteran, I think we are exempt from the origination, funding fee and PMI. It seems like a great deal.
This REO purchase price is well under what we expected to have to pay. Our lender has suggested that we dont put the full 20% down since there is no PMI. He suggested that we put 5 or 10% down and use the rest of our money on improvements like hardwood flooring or landscaping.
SDR, any thoughts or “gotchas” on VA financing? Thank you again for your wealth of knowledge and information!
DharmaGirl
Temecula, CA -
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