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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
Secured Credit Foundation
2008-03-20 15:17:00 I found your site about 3 weeks ago and I’m almost addicted to it; I review it every night for about an hour. Your site has information about practical, every day situations and I thank you for making this important information free for some many people that need it. I have two questions, the first is, ... More About: Foundation , Credit
ITIN & SSN
2008-03-19 15:08:00 yikes… I have used a tax id number for credit for years, now my social doesnt match anything and I am worried about trouble, what should I do? Deb ————- Hi Deb, An immigrant borrower who does not have a social security number is permitted to use an Individual Tax Identification Number (ITIN) to establish credit and it’s even ...
Can I Get These Accounts Off My Credit Report?
2008-03-17 14:41:00 Hello paul, well my question for you is , On my credit report i have some collections that do not belong to me the collection agencys tell me that my name and address our on the accounts but the social security number does not match mine, i called the credit bureau and couldnt get a ... More About: Credit , Report , Credit report
TILA Rescission
2008-03-16 06:54:00 The Truth in Lending Act (TILA), with its $200 to $2,000 statutory damages plus attorney fees here and there, is not exactly sexy and it?s not a highly desirable area of specialty law for most attorneys. The ambulance chasing stereotypes that one would expect and most assuredly does tend to find in an area such ... More About: Tila
New RESPA Rule
2008-03-14 19:05:00 Today, the long-awaited new RESPA rule was released by the U.S. Department of Housing & Urban Development (?HUD?). A copy of the rule is available on the National Association of Morgage Brokers website at namb.org. The official RESPA rule was published in the Federal Register, therefore the 60 day comment period goes into effect immediately. Comments ... More About: Rule
It?s Not Impossible
2008-03-13 20:33:00 I have a credit score of about 564, i’m told it’s impossible for me to buy my own home. Do you have tips how I cn build my score. Celena More About: Impossible
Broken Credit Bloggers are NOT For Sale!
2008-03-13 18:38:00 Hi, If you are interested in selling www.brokencredit.com , please provide a contact phone number so that I can speak with you directly about the purchase of the site. My business partner and I look forward to your reply and speaking with you on the phone. Best Regards, Darcy More About: For Sale , Credit , Sale , Bloggers , Broken
FTHB = First Time Home Buyer
2008-03-13 18:14:00 I would LOVE to purchase my first home after raising my credit score! Dana More About: Time , Home , Buyer , First Time
Student Loans Discharged?
2008-03-13 15:47:00 I recently looked at all three of my credit reports after filing bankruptcy - chapter 7 and my student loans were also discharged in my bankruptcy. Do I still need to pay the loan since I recently got a bill from citibank for the loans? Yve ————- Hi Yve, The Federal Judiciary defines bankruptcy discharge (in part) as: ?A bankruptcy discharge ... More About: Student , Loans , Student Loans , Bankruptcy
Komarova v. MBNA
2008-03-13 01:32:00 ?I had no idea such a system existed?I had an immediate flashback to the Soviet Union. I thought: this is impossible. I was so proud to become a citizen of this country. It was the happiest day of my life because I knew that individuals have a voice here and this is the country that ...
Results of the Week!
2008-03-12 22:59:00 Check out Adriel?s latest results! More great results this week folks! Here we go: Risk Management- This was a collection for a cell phone bill that the customer settled for pennies on the dollar a few months before I disputed the account, as you can see, it was deleted!! Preferred Collection- This was a collection account that the ... More About: Credit Repair , Results , Week
August?s FCRA Violations
2008-03-12 14:16:00 As look over old collection agency letters and credit reports I notice that I have grounds to sue several agencies on several infractions of the FCRA, is there a statute for me? In other words would it be worthwhile? August —————– ; Hello August, FCRA 1681s-2(b) Violations Thanks for the questions and hope this helps. Paul
Deborah?s New Home
2008-03-11 20:52:00 Paul, not so much of a question but a comment. Havent been here in a while as we closed on our house Feb 1 and have been very busy decorating it. (We are the ones who got the Rural Development Loan). We are very happy with our new home and I do not think we could have ... More About: Home , Mortgage
Freida?s Bankruptcy
2008-03-11 16:00:00 I filed for bankruptcy in 1999. I just ran a credit report and I noticed, my bankruptcy was still listed. I was under the impression when I filed that it would be removed after 7 years. Have the laws changed, or is this something I need to do myself? If it’s something I need to do, ... More About: Bankruptcy
Sleeping Seconds
2008-03-10 22:19:00 Hi Paul Great site. I have a question I am hoping you can comment on. I foreclosed on 2 investment properties in 2007. 1 was located in Arizona and 1 in Nevada. They both were sold. The first mortgages are at zero. But the 2 second mortgages are showing balances on my credit report. I never ... More About: Sleeping , Mortgage , Seconds
Broken Credit Blog at the Movies!
2008-03-10 15:03:00 Get your 3D Glasses! We’re going to the movies! Two free seminars are now showing. For anyone with a mortgage loan who wants to learn how to obtain a loan modification, forbearance, repayment plan, short sale, deed in lieu, or many other workout variations, please join us by watching: How To Avoid Foreclosure For anyone who wants to improve ... More About: Movies , Credit , Blog , At The Movies , Broken
Mortgage Martha
2008-03-07 21:11:00 paul thank you!!! I took your advice about the FHA loan and it worked!!! I was approved today and my rate was better, closing costs cheaper and I am saving about $150 bucks a month on my payment!! My nightmare is over and my dream has came true!!! thanks again!!!!!!! Martha More About: Mortgage
Short Sale Bankruptcy
2008-03-07 19:10:00 Paul, I am a realtor and Loan officer in California. I have been visiting your blog for about 3 months, ever since my Ch7 BK was discharged in Janurary. Coming from the Mortgage industry I must tell you it is a relief to have found your site. I have taken classes on credit repair and try ... More About: Sale , Bankruptcy , Short
Marry My Credit
2008-03-07 03:09:00 Hello Paul, Your advise has been so helpful I can’t help but keep coming back for more! My husband has zero credit obligations and we are looking to build his credit score. I have 5 credit cards all in good standing and the oldest one was opened in 2001. What is our best option for building his ... More About: Credit Cards , Credit , Marry
Partial Release Short Sale
2008-03-06 22:18:00 Paul, I have a short sale that is about to occur next week that Mirrors the Case study Short sale Full Release article and examples that you have posted on your web site Same Bank Same amount Same time period to pay off the balance The only difference is the house is in Tennessee The problem is, I am mirroring the ... More About: Sale
FCRA Attorney
2008-03-06 21:29:00 I had the pleasure of talking with Steven M. Fahlgren today. Mr. Fahlgren is one of this Country?s leading FCRA attorneys. He recently won a $2.9M award against Equifax Do you have an FCRA case? Do you need representation? He has a network of the best FCRA lawyers across the U.S.A. Law Offices of Steven M. Fahlgren, P.A. 552318 US ... More About: Attorney
Warning: Be Careful Who You Listen To!
2008-03-06 02:20:00 My husband and I applied for a house loan recently and was denied because of some medical bills. I paid off all of the medical bills that were listed and called the bank back 2 months later to have our credit report pulled to see if we qualified. Our scores only raised around 35 points a piece ... More About: Collections , Listen , Warning , Careful
Results of the Week!
2008-03-05 17:45:00 Check out Adriel’s latest results! Another great ?Results of The week? folks! This time, we got a ?rare? negative account off, a STATE TAX LIEN! Tampa Bay FCU ? This account was an old repossession (involuntary). Remaining balance was $4890.00.The account was reporting different information to all 3 bureaus, (easy to get these off), so it was ... More About: Week
CRA Required to Notify Furnisher
2008-03-04 23:45:00 Hi Paul, I received a letter from a certain company stating that I was denied for a CC. Their decision was based on information from Experian. Ironically, the same day I received a letter from Experian stating that an item I disputed was deleted. Is Experian required to submit the updated info. to the CC company if I request ...
Nitty Gritty Credit
2008-03-04 18:18:00 Hello Paul. First, thank you for sharing all your knowledge! You’re site is the ONLY place I have found that really gives the nitty gritty answers, instead of just the blanket “check your report and challenge anything that is wrong” answer. I still cant believe all the information you give out is free. Truly and ... More About: Credit
Military Personnel & Credit
2008-03-04 16:57:00 I am in the Marines and have posted before. Thank you for all of your advice. I still have one question since I am in the military my home of record is iowa i am a resident of Iowa and pay taxes in Iowa, but live and have a South carolina drivers license and live in ... More About: Credit Repair , Military , Credit , Personnel
Bankrupt Builder
2008-03-04 01:41:00 I hope you can answer this question, but I have a pre construction contract on a property where the developer has filed for a chp 11. The developer has a total of 10% cash and a 10% letter of credit from my bank. What happens to this 10% letter of credit? I noticed on his claims ... More About: Credit Repair , Bankruptcy , Builder , Bankrupt
Can a Mortgage Company Offer Credit Repair?
2008-03-03 16:02:00 Is it legal for a mortgage company or car dealership to offer or sell credit restoration services? Jerry —————— ;- Hello Jerry, According to the Credit Repair Organizations Act (CROA), a person meets the statutory definition of a ?credit repair organization? if it ?uses any instrumentality of interstate commerce or the mails to sell, provide, or perform (or represent that such ... More About: Company , Mortgage
Riverside California Lease/Purchase $5k/mo Range
2008-03-02 22:14:00 Wow! Another great Lease /Purchase on Seller Helps Buyer! Buyers, Sellers, Real Estate Agents, and Loan Officers get together on our free site to post and find short sales, lease/purchase, and other great real estate deals. Yes, it’s free, just like the Broken Credit Blog. Believe it! See you there. More About: California , Range
Fixing Credit in 30 Days
More articles from this author:2008-03-01 16:22:00 Thanks Paul. I love your website. I wished I had been there a few weeks ago when this house came up for sale but better late than never. I am working with a local guy to get things done. I have looked at all the ID theft things already and now I know what I’m going ... More About: Credit , Days 1, 2, 3, 4, 5, 6, 7 |
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