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Broken Credit BlogBroken Credit BlogFree Credit Repair Seminar, Dispute Letter, Mortgage Advice. The Broken Credit Blog was created to assist the general public with information about credit repair and responsible mortgage lending. Articles
Operation Homewrecker
2008-05-06 18:17:00 Paul, I am part of a mortgage rescue scam called “Operation Homewrecker”. We have been working with an attorney and Duetche Bank to get the loan paid off. They will not return attorneys calls. The scam started when we transferred our home, with the thoughts of renting it back for 1 year then refinancing it back to ... More About: Foreclosure
You Sir, Are a Debt Collector!
2008-05-05 16:21:00 Before I get into my question I’d just like to say thanks for such a helpful site. The info you provide has helped my husband and I raise our score about 50 points each and we haven’t even attacked everything on our reports yet! There is one entry that we are not sure how to approach. We ... More About: Debt , Collector
Chapter 13 Bankruptcy Dismissed
2008-05-03 16:21:00 I filed a Chapter 13 Bankruptcy in 2001 in San Francisco and it was dismissed in 2004. Everything I’ve read until today said that the dismissed bankruptcy would be removed from my credit reports after 7 years from filing. Today is the 7 year mark and I called the 3 CRA to make sure the ...
Nothing Missed - Question Answered Correctly!
2008-05-02 17:18:00 Hello, Gentlemen! I have a solid question for you so I will try to give you the background you need to properly answer. Thank you in advance and I hope you can help soon! I applied for an FHA limited cash out refinance and am ready to close save for one condition. I had a 2nd ... More About: Question
Honest Credit Repair
2008-05-02 16:45:00 Thank you for being honest. I must admit I didn’t expect it. Your right about the credit system not being fair. And, your also right about many people not having the time to deal with many of their credit issues. I’ve always agreed with you that credit repair is something that anybody can do for themselves ... More About: Credit Repair , Credit , Honest , Repair
Protecting Credit Through The FDCPA
2008-05-02 16:16:00 I just received a letter from a collection agency two weeks ago claiming I owe from an old cingular account. This bill was supposedly from 2002. I have been an excellent customer of cingular since 96. I relocated from AR to TN in 2002 when I transferred my service to a TN number and closed the ... More About: Credit
Judgment By Fire
2008-05-02 05:31:00 I have a $40,000.00 judgement on my credit report from an insurance company. We rented the house and did not have renters insurace. I had two foster childre at the time, ages 14 and 5. School was out on this day. Long story short, the 5 year old playing with a candle the house burns.Thank God ... More About: Fire , Judgment
Didn?t You Say Credit Repair is Free?
2008-05-02 01:23:00 Does the credit repair that your friend Brian offers is it free. I’ve been looking at your blog for about three years now and I remember you saying several times that credit repair should be free. Also, that ultimate credit guy you was plugging on your blog does not return email or phone calls. What’s up ... More About: Credit Repair , Credit , Free , Repair
Lower My Medical Bills Please
2008-05-01 17:29:00 I had to go into the emergency room a while back and have a CT scan. I did not have insurance and the bill is over 10,000. I want to pay this before it goes to collections which is what is being threatened. I know when you have insurance then the hospital accepts less than billed ... More About: Medical , Collections , Lower , Bills
Your credit CAN be repaired. Let us prove it to you?.
2008-05-01 17:20:00 You may see the graphic on the right side of the Broken Credit Blog that says: Your credit CAN be repaired. Let us prove it to you?. This connects to a form where my friend Brian and his staff are doing wonderful things for countless consumers with lower-than-deserved credit scores. So, if you’re looking to improve your ... More About: Prove
Cosa Nostra Debt Collector
2008-05-01 17:12:00 I have letters from originating creditors proving trade lines listed on my CRA is not mine, no validating, info, or dating back to 1999. Junk Debt Buyer, Weltman Weinberg & Reis keep altering the dates to reflect the current month, they already got me fired from my job of 15 years as a result of in-person ... More About: Cosa , Cosa Nostra , Collector
Countrywide Fast & Easy
2008-05-01 05:16:00 A federal probe of Countrywide , the nation’s largest mortgage lender, is turning up evidence that sales executives at the company deliberately overlooked inflated income figures for many borrowers, people with knowledge of the investigation say. Some of the problems are surfacing in a mortgage program called “Fast and Easy ,” in which borrowers were asked to provide ... More About: Mortgage
Option Arm Dilemma
2008-04-30 20:56:00 Hi Paul, I need some help, or at least some honest answers. I filed chapter 7 bankruptcy in January, 2008. My attorney led me to believe I could keep my home even though I presented him with certain issues that I was concerned about and am now finding that my worst nightmares are coming true. I made the ... More About: Mortgage , Dilemma
Credit Repair 1-2-3
2008-04-30 02:21:00 Hi Paul, 1. I have a collection from ‘95 that I was advised to try to satisfy and made some recent payments. Is there still a chance to have the debt removed since the date it was originally opened was back in ‘95? 2. I have some other accounts that went to collection back in ‘02 that ... More About: Credit Repair , Credit , Repair
Paying Collections May Reduce Your Score
2008-04-29 20:31:00 Hi. I check my credit report last year and many accounts were in collections and so forth. I have paid off all of them and have also negotiated settlements. Back then my credit score was 536 but when I checked today it was a little over 400. I do not understand how why my credit score dropped, even ... More About: Collections , Reduce , Score
Me & My FHA Subordination Agreement
2008-04-29 17:36:00 In July 2004 my husband and I purchased a house for $535K and put something like $120K down (from the sale of our condo). We got one of those horrible, awful option arms. It’s reset a few times and the minimum payments have nearly doubled, from about $1400/month to over $2700/month. After about a year, we ... More About: Agreement
Bank or Debt Collector?
2008-04-29 00:41:00 I had no idea about anything to do with credit reports, credit scores and the like until my husband and I decided that we wanted to buy a home. After reading this site for two hours today (and I am not done yet) I have discovered that I know less than nothing but I have ... More About: Credit Repair , Debt , Bank , Collector
The Road To Homeownership
2008-04-28 16:27:00 Hi Paul, Ok, here’s the deal: We are trying to become first time home owners. We want to get a mortgage in my husbands name because my credit is beyond repair. His credit report shows 8 collections, 6 of which are medical, and the other 2 are a cable and gas bill. We want to pay these ... More About: Credit Repair , Collections , Road , Homeownership , The Road
Problems Solved
2008-04-28 15:56:00 Not a question but a praise. Your info has me clean up some old problems thanks. Good too see you know your scripture. God bless. Scott More About: Problems
Virginia TILA Attorney
2008-04-28 03:25:00 I?d like to introduce a TILA consumer lawyer to the Broken Credit Bloggers in Virginia . Remember the Truth in Lending Act (TILA) permits certain loans to be rescinded up to three-years after the closing date; it?s a powerful means of re-negotiating with your lender, particularly for those of you in Virginia who are facing foreclosure ... More About: Attorney , Tila
Satisfy Thy Judgment
2008-04-26 22:49:00 I listened to your seminar. I have both credit card and hospital bills that went delinquent then to collections and one judgement. I have the funds to pay card and bills completely OR judgement. Which one whould help my credit score most? Thank You. Mike ———- Hello Mike, The judgment should be paid first. I would recommend that you call the judgment ... More About: Credit Repair , Judgment
Tax Liens & Credit Reporting
2008-04-25 22:58:00 How long will a state tax lien (due to unpaid state income taxes) stay on a credit report? Cheryl ———— Hi Cheryl, Per the FCRA 1681c(a)(3) “Paid tax liens which, from date of payment, antedate the report by more than seven years” must be “excluded from consumer reports”. So, it’s seven years from the date paid and theoretically, unpaid tax ... More About: Credit , Liens
Contract Unconscionable
2008-04-25 17:51:00 heres the situation…my wifes mom died last month and had no will,however she took out a refi loan in 2000 with my wifes older sister (mentally and physically disabled) on the note. with this transaction the sister was added to the deed as joint tenancy with right of survivorship so by florida law she is ... More About: Foreclosure , Contract
Can TransUnion Add The Deleted Item?
2008-04-25 16:21:00 Transunion and Litton Mortgage blame each other for inaccurate information on my Credit Report. Finally had some removed only having them added again plus 2 more months of late payments. Again, Litton blames Transunion and Trausunion blames Litton. I am trying to refinance but can’t due to false late payments on report. Can Transunion add the deleted items again? Kris ———- Hi ... More About: Item
Launch My Credit Score Please
2008-04-25 01:21:00 I wish I would have found your web site before I started paying off on some collection accounts. Sense listening to your seminar raise your credit score, I have asked the collection agency’s for them to delete for pay. They tell me they can not do that because they are obligated to report all accounts that have ... More About: Credit , Launch , Score
Foreclosure Rescue Company Must Refund 200 Washington Consumers
2008-04-25 00:20:00 SEATTLE ? Approximately 200 Washington consumers who paid for a service that they thought would help save their homes from foreclosure will receive partial refunds under a new settlement announced today by the Washington Attorney General?s Office. The homeowners each paid $1,200-$1,500 to Foreclosure Assistance Solutions LLC, of Clearwater, Fla. More than 70 percent of homeowners ... More About: Company , Rescue , Consumers
Mortgage Days Late
2008-04-24 22:41:00 Love your site! The short story is that my parents refinanced our home for us, credit is in their name and spouse and I make the mortgage payment. I bent the rules but am sure I didn’t break them when I made our mortgage payment at the bank which services the loan on the 31st of the ... More About: Mortgage , Days , Late
Technical Violations of TILA Extend the Right to Rescind
2008-04-24 17:58:00 The remedies under TILA include civil liability and damages. If any required disclosures are not given, the borrower’s right to rescind is extended from three days to three years after the date of consummation of the transaction. (15 U.S.C. § 1635(a) & (f); 12 C.F.R. § 226.23(a)(3) (2006).) Thus, “a single violation of TILA, whether ... More About: Technical , Tila
Broken Builders
2008-04-24 15:22:00 Research Recap reports today: Several lower-rated homebuilders survived 2007 merely because of the leniency of their lending groups. As 2008 unfolds, these same homebuilding companies will once again find themselves at the mercy of their banks, according to Moody?s. But now the banks are facing increasing pressure to 1) take a harder line on covenants, 2) reduce ... More About: Builders , Bankruptcy , Broken
Locate a Short Sale Expert!
More articles from this author:2008-04-23 16:57:00 Reuters reports today: Realtors in many U.S. states say lenders are demanding excessively high prices before allowing distressed borrowers to offload their homes in “short sales,” making the housing crisis worse. “The system is broken,” said Ron Rosen, a Realtor in Lighthouse Point, Florida. “The only question banks should ask is can they make more in a ... More About: Sale , Expert , Locate , Short 1, 2, 3, 4, 5, 6, 7 |
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