Tax Refund to Ways Spend Your 5

If you be cognizant you’re getting a refund, you’ve probably already started thinking about how you’re going… It’s tax season and for plentiful taxpayers that means a tax refund is due.

Posted under Credit Repair

This post was written by admin on February 22, 2009

Credit Credit and Creditors, Collectors, Bureaus, Repair Orgs Counterattack

rigid… Consumers have mountains of complaints against the banks, bureaus, and collection agencies that exist in the credit globe. Businesses in the credit industry aren’t known for their consumer-friendly systems.

Posted under Credit Repair

This post was written by admin on February 22, 2009

to Which Figure How First Off Credit Pay Out Card to

Once you’ve decided to pay off your credit cards, you have a bantam dilemma - which credit card should you pay off first. It’s not as no trouble a choice as…

Posted under Credit Repair

This post was written by admin on February 22, 2009

of a ‘Shopaholic’ Transgressions

A new Hollywood movie, compatible others before it, skips gone the unglamorous real-life solutions to money woes, preferring a Prada’d prince for the damsel in responsibility distress.

Posted under Credit Repair

This post was written by admin on February 21, 2009

Don’t off that rush pay mortgage to

Paying down your mortgage may not be the beyond compare use of your cash. Take a look at the numbers and ruminate these avenues to get more bang for your buck.

Posted under Credit Repair

This post was written by admin on February 21, 2009

Credit and Orgs Credit Repair Collectors, Bureaus, Counterattack Creditors,

Businesses in the credit industry aren’t known for their consumer-friendly tenors. unbiased… Consumers have mountains of complaints against the banks, bureaus, and collection agencies that exist in the credit microcosm.

Posted under Credit Repair

This post was written by admin on February 20, 2009

First to Out Pay Off Figure Card How Credit Which to

Once you’ve decided to pay off your credit cards, you have a piddling dilemma - which credit card should you pay off first. It’s not as slight a choice as…

Posted under Credit Repair

This post was written by admin on February 20, 2009

Your in Limitations of The State Statute

The statute of limitations on that bill may have passed, preventing you from being sued wired the IOU. Each state has a… Are you being contacted about an old credit?

Posted under Credit Repair

This post was written by admin on February 20, 2009

Countrywide Home Loans Mortgage Ripoff? Get Ready!

Can you imagine a scenario where a homeowner pays to lock in a great rate, rates go up and the loan gets dumped when the underwriter thinks the lender can get a better rate out of you?  Read on.

As a borrower and homeowner, we’ve always appreciated Countrywide Home Loans. They seemed to have integrity and a great business ethic.  Has that changed?

You see, we locked in a good rate (4.6% fixed 25 year)  the Friday before the 2009 presidential inauguration. Because of our high credit score, the loan officer  offered an unstated income loan.  We declined the unstated income option and opted to verify income to save a few hundred dollars.  After all, our income is well over the DTI ratio for the very small PITI.

Should we have trusted Countrywide?

Rates have only gone up since that day, and we figured, at worst,  Countrywide might really pour on the verification requirements to see if they could lose the loan.

But it could also be daunting for Countrywide to reject the loan.

  • Our FICO Score  (790) came out higher than we estimated (760) .
  • Our verified income was two to three times higher than required for DTI. In one year it was verified  higher than the loan principle!
  • We have no other debt. Period.
  • The home appraised FAR higher than initially estimated (by Countrywide or by us)

Wow.  How do you throw out a loan when the diligence is that clean?  We’re really interested to see if Countrywide will have integrity, or if they will find some bizarre reason to reject the loan.

We’ll keep you posted!

Posted under Credit Counseling

This post was written by admin on February 20, 2009

Creditors, Counterattack and Collectors, Repair Orgs Credit Credit Bureaus,

due… Businesses in the credit industry aren’t known for their consumer-friendly manners. Consumers have mountains of complaints against the banks, bureaus, and collection agencies that exist in the credit macrocosm.

Posted under Credit Repair

This post was written by admin on February 19, 2009