| Author |
Previous Topic | Next Topic |
nevets
261 Posts |
 Posted - 08/26/2008 : 1:20:12 PM
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THIS COMPANY ROCKS!!!!! She has been kicking butt! I was at first stand-offish of credit repair comanies, but I gave it a try with me and my wife, and then I gave her some of my clients, and the results within thirty days were amazing! One of my clients she got a bankruptcy deleted off of his credit! And the results were amazing! Her name is Alina Nicole
EZ CREDIT REPAIR LLC.,
anicol@myezcreditrepair.com
myezcreditrepair.com
TOLL OFFICE (866) 979-1099 x207
TOLL CELL (877) 254-4900
DIRECT IP LINE (702) 487-3401
FAX (866) 979-1097
FAX 2 (808) 826-1444
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bestbet123
1577 Posts |
Posted - 08/26/2008 : 1:34:30 PM
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That chick is smokin hott!!!!!
quote:
Originally posted by nevets
THIS COMPANY ROCKS!!!!! She has been kicking butt! I was at first stand-offish of credit repair comanies, but I gave it a try with me and my wife, and then I gave her some of my clients, and the results within thirty days were amazing! One of my clients she got a bankruptcy deleted off of his credit! And the results were amazing! Her name is Alina Nicole
EZ CREDIT REPAIR LLC.,
anicol@myezcreditrepair.com
myezcreditrepair.com
TOLL OFFICE (866) 979-1099 x207
TOLL CELL (877) 254-4900
DIRECT IP LINE (702) 487-3401
FAX (866) 979-1097
FAX 2 (808) 826-1444
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CreditRepGal
795 Posts |
Posted - 08/26/2008 : 1:55:33 PM
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Thanks Steven! :)
Ha ha, and thank you too Alex. |
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nofeebkr
63 Posts |
Posted - 08/27/2008 : 09:48:57 AM
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Got a BK off of the credit report, wow. What chapter of bk was it and how long after filing or discharge did it take to remove it? Sounds to good to be true. Did it come back on the CR a few months later? quote:
Originally posted by nevets
THIS COMPANY ROCKS!!!!! She has been kicking butt! I was at first stand-offish of credit repair comanies, but I gave it a try with me and my wife, and then I gave her some of my clients, and the results within thirty days were amazing! One of my clients she got a bankruptcy deleted off of his credit! And the results were amazing! Her name is Alina Nicole
EZ CREDIT REPAIR LLC.,
anicol@myezcreditrepair.com
myezcreditrepair.com
TOLL OFFICE (866) 979-1099 x207
TOLL CELL (877) 254-4900
DIRECT IP LINE (702) 487-3401
FAX (866) 979-1097
FAX 2 (808) 826-1444
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TransNet
519 Posts |
Posted - 08/27/2008 : 10:53:47 AM
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Presuming that the bankruptcy reported on the credit report actually occurred within the last 7 years, what do you do about this question on the 1003:
"VIII Declarations
....
b. Have you been declared bankrupt within the past 7 years?"
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nevets
261 Posts |
Posted - 08/27/2008 : 10:55:59 AM
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quote:
Originally posted by TransNet
Presuming that the bankruptcy reported on the credit report actually occurred within the last 7 years, what do you do about this question on the 1003:
"VIII Declarations
....
b. Have you been declared bankrupt within the past 7 years?"
Answer the question according to your integrity. |
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TransNet
519 Posts |
Posted - 08/27/2008 : 11:33:31 AM
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quote:
Originally posted by nevets
quote:
Originally posted by TransNet
Presuming that the bankruptcy reported on the credit report actually occurred within the last 7 years, what do you do about this question on the 1003:
"VIII Declarations
....
b. Have you been declared bankrupt within the past 7 years?"
Answer the question according to your integrity.
Then getting a BK off of an applicant's credit does nothing for them if you answer the question with integrity. |
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nevets
261 Posts |
Posted - 08/27/2008 : 11:39:53 AM
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quote:
Originally posted by TransNet
quote:
Originally posted by nevets
quote:
Originally posted by TransNet
Presuming that the bankruptcy reported on the credit report actually occurred within the last 7 years, what do you do about this question on the 1003:
"VIII Declarations
....
b. Have you been declared bankrupt within the past 7 years?"
Answer the question according to your integrity.
Then getting a BK off of an applicant's credit does nothing for them if you answer the question with integrity.
Client scores goes up after the BK is removed and more importantly the client is glad when he go and applies for other things that he is not denied because of BK. So it helps in more ways than real estate transactions and also get's tons of referal's
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CoolMtgGuy
3658 Posts |
Posted - 08/27/2008 : 11:41:44 AM
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OK .... so what would YOUR answer be?
Mine would be YES ... as there is no other answer. LYING on a mortgage or other loan application has nothing to do with ingerity. It has everything to do with one's willingness to commit fraud. So again I ask, what would YOUR answer be?
quote:
Originally posted by nevets
quote:
Originally posted by TransNet
Presuming that the bankruptcy reported on the credit report actually occurred within the last 7 years, what do you do about this question on the 1003:
"VIII Declarations
....
b. Have you been declared bankrupt within the past 7 years?"
Answer the question according to your integrity.
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nevets
261 Posts |
Posted - 08/27/2008 : 11:44:07 AM
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quote:
Originally posted by CoolMtgGuy
OK .... so what would YOUR answer be?
Mine would be YES ... as there is no other answer. LYING on a mortgage or other loan application has nothing to do with ingerity. It has everything to do with one's willingness to commit fraud. So again I ask, what would YOUR answer be?
quote:
Originally posted by nevets
quote:
Originally posted by TransNet
Presuming that the bankruptcy reported on the credit report actually occurred within the last 7 years, what do you do about this question on the 1003:
"VIII Declarations
....
b. Have you been declared bankrupt within the past 7 years?"
Answer the question according to your integrity.
If you have integrity you will not be willing to commit fraud. |
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CoolMtgGuy
3658 Posts |
Posted - 08/27/2008 : 11:46:07 AM
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Is dancing around a direct question your final answer?
No need to answer ... we got it.
quote:
Originally posted by nevets
quote:
Originally posted by CoolMtgGuy
OK .... so what would YOUR answer be?
Mine would be YES ... as there is no other answer. LYING on a mortgage or other loan application has nothing to do with ingerity. It has everything to do with one's willingness to commit fraud. So again I ask, what would YOUR answer be?
quote:
Originally posted by nevets
quote:
Originally posted by TransNet
Presuming that the bankruptcy reported on the credit report actually occurred within the last 7 years, what do you do about this question on the 1003:
"VIII Declarations
....
b. Have you been declared bankrupt within the past 7 years?"
Answer the question according to your integrity.
If you have integrity you will not be willing to commit fraud.
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CoolMtgGuy
3658 Posts |
Posted - 08/27/2008 : 11:50:51 AM
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| I would be wary of an "endorsement" like the OP here. |
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nevets
261 Posts |
Posted - 08/27/2008 : 11:50:58 AM
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quote:
Originally posted by CoolMtgGuy
Is dancing around a direct question your final answer?
No need to answer ... we got it.
quote:
Originally posted by nevets
quote:
Originally posted by CoolMtgGuy
OK .... so what would YOUR answer be?
Mine would be YES ... as there is no other answer. LYING on a mortgage or other loan application has nothing to do with ingerity. It has everything to do with one's willingness to commit fraud. So again I ask, what would YOUR answer be?
quote:
Originally posted by nevets
quote:
Originally posted by TransNet
Presuming that the bankruptcy reported on the credit report actually occurred within the last 7 years, what do you do about this question on the 1003:
"VIII Declarations
....
b. Have you been declared bankrupt within the past 7 years?"
Answer the question according to your integrity.
If you have integrity you will not be willing to commit fraud.
I see why you have so many post under your name! =) By the way I have integrity! |
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CoolMtgGuy
3658 Posts |
Posted - 08/27/2008 : 11:57:59 AM
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Too late ... we've seen the likes of you around here. It was a rhetorical question ... I gave you a hint by inviting you to NOT answer.
Stick around with your attitude and you'll see what I mean.
quote:
Originally posted by nevets
quote:
Originally posted by CoolMtgGuy
Is dancing around a direct question your final answer?
No need to answer ... we got it.
quote:
Originally posted by nevets
quote:
Originally posted by CoolMtgGuy
OK .... so what would YOUR answer be?
Mine would be YES ... as there is no other answer. LYING on a mortgage or other loan application has nothing to do with ingerity. It has everything to do with one's willingness to commit fraud. So again I ask, what would YOUR answer be?
quote:
Originally posted by nevets
quote:
Originally posted by TransNet
Presuming that the bankruptcy reported on the credit report actually occurred within the last 7 years, what do you do about this question on the 1003:
"VIII Declarations
....
b. Have you been declared bankrupt within the past 7 years?"
Answer the question according to your integrity.
If you have integrity you will not be willing to commit fraud.
I see why you have so many post under your name! =) By the way I have integrity!
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bestbet123
1577 Posts |
Posted - 08/27/2008 : 11:58:00 AM
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Of course you have to disclose it on your 1003 but getting it removed from your credit is awesome and is sure to bring your scores up.
By the way did i mention that Alina is HOTT!!!!and knows her shtuff.lol |
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CoolMtgGuy
3658 Posts |
Posted - 08/27/2008 : 12:01:08 PM
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I agree with you on both counts. I just asked the OP a simple question and much was revealed by the dance-around, evading non-answer. Too many like that are still in this business.
quote:
Originally posted by bestbet123
Of course you have to disclose it on your 1003 but getting it removed from your credit is awesome and is sure to bring your scores up.
By the way did i mention that Alina is HOTT!!!!and knows her shtuff.lol
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nevets
261 Posts |
Posted - 08/27/2008 : 12:01:17 PM
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quote:
Originally posted by CoolMtgGuy
Too late ... we've seen the likes of you around here. It was a rhetorical question ... I gave you a hint by inviting you to NOT answer.
Stick around with your attitude and you'll see what I mean.
quote:
Originally posted by nevets
quote:
Originally posted by CoolMtgGuy
Is dancing around a direct question your final answer?
No need to answer ... we got it.
quote:
Originally posted by nevets
quote:
Originally posted by CoolMtgGuy
OK .... so what would YOUR answer be?
Mine would be YES ... as there is no other answer. LYING on a mortgage or other loan application has nothing to do with ingerity. It has everything to do with one's willingness to commit fraud. So again I ask, what would YOUR answer be?
quote:
Originally posted by nevets
quote:
Originally posted by TransNet
Presuming that the bankruptcy reported on the credit report actually occurred within the last 7 years, what do you do about this question on the 1003:
"VIII Declarations
....
b. Have you been declared bankrupt within the past 7 years?"
Answer the question according to your integrity.
If you have integrity you will not be willing to commit fraud.
I see why you have so many post under your name! =) By the way I have integrity!
I think you need something to do. Would you like to process some of my loans? |
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CoolMtgGuy
3658 Posts |
Posted - 08/27/2008 : 12:03:40 PM
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| Are you processing loans between your posts? Are you lying on those 1003s? |
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nevets
261 Posts |
Posted - 08/27/2008 : 12:05:20 PM
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quote:
Originally posted by CoolMtgGuy
Are you processing loans between your posts? Are you lying on those 1003s?
There is one on every thread. You have a nice day sir. this is getting childish. You win |
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Jkatz
355 Posts |
Posted - 08/27/2008 : 12:31:51 PM
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What lender do you know would touch any loan that the borrower has a BK but it's not on their credit report?
Why were you disputing the BK in the first place?
Sounds like fraud to me |
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homer5
362 Posts |
Posted - 08/27/2008 : 1:09:15 PM
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| A factual bk removed from a credit report, or any factual derogatory item, is fraudulent in my opinion. |
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dkendall1979
10147 Posts |
Posted - 08/27/2008 : 1:25:56 PM
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Let's do business!
I mean credit repair business.... No really, that's what I meant... You know?
quote:
Originally posted by CreditRepGal
Thanks Steven! :)
Ha ha, and thank you too Alex.
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benjamin
2196 Posts |
Posted - 08/27/2008 : 1:35:24 PM
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If the BK was over 10 years old, then removing is OK. Anything else is subject to review.
I will be forwarding this post to Authorities. |
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loancloser1342
438 Posts |
Posted - 08/27/2008 : 2:48:37 PM
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| No where does it state a BK MUST stay on a credit report for 10 years, Ben. |
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RGK2394
1213 Posts |
Posted - 08/27/2008 : 2:58:33 PM
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| How is it possible to get a BK removed from credit???? |
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CoolMtgGuy
3658 Posts |
Posted - 08/27/2008 : 3:02:41 PM
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I'm betting that it was YOUR credit report from which that bk was removed. That's what got you so excited to post your testimonial in the first place.
quote:
Originally posted by nevets
quote:
Originally posted by CoolMtgGuy
Are you processing loans between your posts? Are you lying on those 1003s?
There is one on every thread. You have a nice day sir. this is getting childish. You win
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Jkatz
355 Posts |
Posted - 08/27/2008 : 3:21:10 PM
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I believe it does say something about trying to dispute legitimate items.
I also believe it does say something when the LO is trying to push the loan to go through by doing illegitimate credit repair.
Thank you for posting. We'll take note of who you are, and where you stand.
quote:
Originally posted by loancloser1342
No where does it state a BK MUST stay on a credit report for 10 years, Ben.
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dennis@padda.com
191 Posts |
Posted - 08/27/2008 : 3:29:59 PM
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| TO ANSWER ALL YOUR QUESTIONS HOW? YOU DISPUTE IT. YOU ALSO CC: THE STATE ATTORNEY GENERAL, YOUR ATTORNEY AND FTC; THEN IT GOES INTO THE ATTORNEY PILE TO BE REVIEWED, SO BY THEN THE INFORMATION MUST BE REMOVED, ADDITIONALLY, THE CREDIT REPORT REGARDING BANKRUPTCY FOLLOWS THE ADDRESS NOT THE SOCIAL SECURITY NUMBER. SO IF YOU MOVE YOU CAN DISPUTE IT AS STATED ABOVE AND IT STILL CAN NOT BE CONFIRMED.......... |
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bestbet123
1577 Posts |
Posted - 08/27/2008 : 3:37:58 PM
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| if the bk was over 10 years old what's the beef? |
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mdavis
30 Posts |
Posted - 08/27/2008 : 4:24:30 PM
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In answer to the BK question, every one has a legal right to dispute derogatory or any information that is erroneous reported on the credit report it is completely legal and everyones right.
BY EMPOWERING YOUR LEGAL RIGHTS!
F.A.C.T.A – Fair and Accurate Credit Transactions Act.
F.C.R.A. – Fair Credit Reporting Act
F.D.C.P.A. – Fair Debt Collections Practices Act
All of these legal rights have been handed down to protect consumers from mis information to be reported on their credit.
The credit bureaus are a 3rd party that is paid by lenders to report information about our clients.
Did you know that the more address's, jobs and names that you have reporting on your credit report can cost a consumer on average 50+ points.
If you have more address that tells the computer that you move around a lot and are not reliable, the more jobs you have tell the system that you can not hold a job, the more names and or alias's you have the more deceptive you may be or other persons with the same name can have their derogatory information creep up on your credit.
We know all of this is not true but try telling that to a computer. Even inquires can be removed especially if someone is shopping for a loan or car and multiple lenders have pulled their credit with or without the customers knowledge. These all need to be investigated and removed if it is not accurate information.
The same goes with a bk, a bk can be removed from a credit report 6 months after it has been reported if there is erroneous information reporting on the credit report that attaches to the credit report. This is not guaranteed but still needs to be investigated.
Everyone needs credit clean up, for most of us we have had credit for 10 to 20 years and if you still have the address reporting on your credit from college, you have a lot more address, job changes and alike reporting along with it. Even our 700+ credit borrower can win an edge by having a 50+ point increase especially if the are doing investment or jumbos.
Credit repair and restoration is not just for people with bad credit everyone can benefit by having it done and it is completely legal.
As for the bk question, most lenders including FHA and Fannie Backed loans will lend to borrowers 12 to 24 months after bankruptcy seasoning as long as good credit has been re-established. Case in point I have a bk borrower that did not have credit restoration and his score was 521 mid. Another client that did credit restoration had a BK and did the credit restoration, the BK was not removed by the derogatory trade lines were as when a person files for bk all debts are forgiven. Thus this eliminated all of his derogatory tradeline accounts before credit restoration he had a 489 credit score and after a 687 mid. Both had seasoned bk's over 24 months. The first did not get financing for the home, and what do you know the second one did.
It is important to educate yourself and go with reliable credit restoration companies as there are many hacks out their.
Click the link below before you run your mouth of stating that your taking something to the authorities when it is everyones LEGAL RIGHT TO DISPUTE CREDIT REPORT INFORMATION.
And just so you know if something is removed from a person credit it can not ever come back on or the credit reporting agency can be fined up to and sometimes exceeding $500k per occurance for lender they can be fined 10% or more of their net worth.
Educate yourselves and dont assume what is legal and what is not.
The 1003 questions should always be answered truthfully as a BK will not affect someone qualifing for the home if they have good re-established credit. There is never a reason to lie when people are exercising their legal rights.
Are you in need of Credit Restoration and or Repair?
We’ve been successful in PERMANENTLY REMOVING inquiries, late pays, collections, chargeoffs, repossessions, bankruptcies, foreclosures, judgments, tax liens, child support, and student loans, and Duplicates of personal history. Click the following link to learn more!!
http://imperiallegal.com/rep/matthew
Click this link to refer a friend today!!
http://imperiallegal.com/ae/matthew
Matthew Davis
Commercial and Residential Loan Specialist
Direct: 321-848-2004
Fax: 321-636-0376
brevardmortgage@hotmail.com |
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bbbbenny
231 Posts |
Posted - 08/27/2008 : 4:27:49 PM
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quote:
Originally posted by Jkatz
I believe it does say something about trying to dispute legitimate items.
I also believe it does say something when the LO is trying to push the loan to go through by doing illegitimate credit repair.
Thank you for posting. and where you stand.
quote:
Originally posted by loancloser1342
No where does it state a BK MUST stay on a credit report for 10 years, Ben.
We'll take note of who you are,
You're kidding right? A little over the top there detective.
There's nothing illegal nor illegitimate about removing a BK from your credit report. The credit bureaus that decided on the 10 year timeframe are not a lawmaking agency. It's one thing to lie on an federal loan application and I don't believe anyone here is condoning that.
The lender is asking about the last 7 years. If a borrower had a factual BK 8 years ago, what is fraudulent about getting it removed, bettering his credit score and getting back on the track of a clean credit profile? Has he lied on his app? They ask for 7 years for a reason...they contend that even if someone has had a BK, if they can build and maintain good credit for 7 years, they're creditworthy.
Or let's say you had a BK 5 years ago and had it removed but you disclose so on your app, provide your BK papers or whatever else is required. The lender is aware and they can make the credit decison on your loan w/ that knowledge. If there's a law that's been broken there, then I will stand corrected?
I don't know about Nevets and his ethics but IMO, you guys are a bit quick around here to slap someone with the "fraud" label. |
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mikenap
16 Posts |
Posted - 08/27/2008 : 4:42:19 PM
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Hey Nevets, Regarding the BK coming off the report.. How long ago was it discharged? Thanks Mike Nap
quote:
Originally posted by nevets
THIS COMPANY ROCKS!!!!! She has been kicking butt! I was at first stand-offish of credit repair comanies, but I gave it a try with me and my wife, and then I gave her some of my clients, and the results within thirty days were amazing! One of my clients she got a bankruptcy deleted off of his credit! And the results were amazing! Her name is Alina Nicole
EZ CREDIT REPAIR LLC.,
anicol@myezcreditrepair.com
myezcreditrepair.com
TOLL OFFICE (866) 979-1099 x207
TOLL CELL (877) 254-4900
DIRECT IP LINE (702) 487-3401
FAX (866) 979-1097
FAX 2 (808) 826-1444
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mdavis
30 Posts |
Posted - 08/27/2008 : 4:46:32 PM
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I do not condone fraudulent activity, the lenders require things to be done by the book, and the client has a legal right to dispute any items reported on his credit.
You will definitely get an approved eligible from fannie Mae with 24 month Seasoning on a BK from a 687 credit borrower Even with the BK still reporting vs a 545 borrower who had not done credit restoration will most likely come back a decline regardless of how much new income they have.
Just because someone filed a bk does not mean that lenders need to lock them out of financing for 7 years if that were the case, Donald Trump would not be were he is today.
You only need to reestablish good credit history and rating. Fannie Mae guidelines is 24 months seasoning. Some lenders only require 12 month seasoning. This is wether the BK is reporting on your credit or not. Most people are not looking to buy a home right out of bankruptcy and if they are they are smoking crack.
The best way to do it is to have a legal professional who has success in removing derogs off a credit report or having a credit reporting agency report only the truth in reference to address, name and occupation and remove all the old history can significatly increase one credit rating and their is nothing illegal about that.
Why have a BK affect your credit rating for 7 years as the credit reporting agency reports all of these satisfied tradelines, when they tradelines can be removed and or updated to paid. To put you back on the road of credit recovery as soon as possilbe.
Watch the videos on our website and you will learn more.
http://imperiallegal.com/rep/matthew
Even the lenders and AE's of lenders back a credible credit restoration company.
Start earning more and closing more loans regardless of the credit score as I had mentioned this is beneficial across the board for all borrower.
If you can help the rebuild their credit say a 620 borrower to a 700 they can save not only on interest rate, but insurance rate and MI if applicable.
Also, they can refinance their autos to lower rates and or get adjustments on credit card interest charges. Case in point I had a gentlemen do the restoration was paying 19.99% on his credit card, after restoration the same card company offered him a 12 month 0% interest and after that period a 7.99% rate. You can tell me that I did not get a ton of refferals from him.
Let me know if there is anything that I can do for those of you that need more information
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nofeebkr
63 Posts |
Posted - 08/27/2008 : 5:03:18 PM
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Great Information Matthew. Thanks for the insite. On one of your deals you mentioned that the BK was not removed but the derogs were. Would you happen to know how this was done? quote:
Originally posted by mdavis
In answer to the BK question, every one has a legal right to dispute derogatory or any information that is erroneous reported on the credit report it is completely legal and everyones right.
BY EMPOWERING YOUR LEGAL RIGHTS!
F.A.C.T.A – Fair and Accurate Credit Transactions Act.
F.C.R.A. – Fair Credit Reporting Act
F.D.C.P.A. – Fair Debt Collections Practices Act
All of these legal rights have been handed down to protect consumers from mis information to be reported on their credit.
The credit bureaus are a 3rd party that is paid by lenders to report information about our clients.
Did you know that the more address's, jobs and names that you have reporting on your credit report can cost a consumer on average 50+ points.
If you have more address that tells the computer that you move around a lot and are not reliable, the more jobs you have tell the system that you can not hold a job, the more names and or alias's you have the more deceptive you may be or other persons with the same name can have their derogatory information creep up on your credit.
We know all of this is not true but try telling that to a computer. Even inquires can be removed especially if someone is shopping for a loan or car and multiple lenders have pulled their credit with or without the customers knowledge. These all need to be investigated and removed if it is not accurate information.
The same goes with a bk, a bk can be removed from a credit report 6 months after it has been reported if there is erroneous information reporting on the credit report that attaches to the credit report. This is not guaranteed but still needs to be investigated.
Everyone needs credit clean up, for most of us we have had credit for 10 to 20 years and if you still have the address reporting on your credit from college, you have a lot more address, job changes and alike reporting along with it. Even our 700+ credit borrower can win an edge by having a 50+ point increase especially if the are doing investment or jumbos.
Credit repair and restoration is not just for people with bad credit everyone can benefit by having it done and it is completely legal.
As for the bk question, most lenders including FHA and Fannie Backed loans will lend to borrowers 12 to 24 months after bankruptcy seasoning as long as good credit has been re-established. Case in point I have a bk borrower that did not have credit restoration and his score was 521 mid. Another client that did credit restoration had a BK and did the credit restoration, the BK was not removed by the derogatory trade lines were as when a person files for bk all debts are forgiven. Thus this eliminated all of his derogatory tradeline accounts before credit restoration he had a 489 credit score and after a 687 mid. Both had seasoned bk's over 24 months. The first did not get financing for the home, and what do you know the second one did.
It is important to educate yourself and go with reliable credit restoration companies as there are many hacks out their.
Click the link below before you run your mouth of stating that your taking something to the authorities when it is everyones LEGAL RIGHT TO DISPUTE CREDIT REPORT INFORMATION.
And just so you know if something is removed from a person credit it can not ever come back on or the credit reporting agency can be fined up to and sometimes exceeding $500k per occurance for lender they can be fined 10% or more of their net worth.
Educate yourselves and dont assume what is legal and what is not.
The 1003 questions should always be answered truthfully as a BK will not affect someone qualifing for the home if they have good re-established credit. There is never a reason to lie when people are exercising their legal rights.
Are you in need of Credit Restoration and or Repair?
We’ve been successful in PERMANENTLY REMOVING inquiries, late pays, collections, chargeoffs, repossessions, bankruptcies, foreclosures, judgments, tax liens, child support, and student loans, and Duplicates of personal history. Click the following link to learn more!!
http://imperiallegal.com/rep/matthew
Click this link to refer a friend today!!
http://imperiallegal.com/ae/matthew
Matthew Davis
Commercial and Residential Loan Specialist
Direct: 321-848-2004
Fax: 321-636-0376
brevardmortgage@hotmail.com
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mikenap
16 Posts |
Posted - 08/27/2008 : 5:16:58 PM
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wow , quess i should of read threw the replies before i asked any question.. lol
quote:
Originally posted by nevets
THIS COMPANY ROCKS!!!!! She has been kicking butt! I was at first stand-offish of credit repair comanies, but I gave it a try with me and my wife, and then I gave her some of my clients, and the results within thirty days were amazing! One of my clients she got a bankruptcy deleted off of his credit! And the results were amazing! Her name is Alina Nicole
EZ CREDIT REPAIR LLC.,
anicol@myezcreditrepair.com
myezcreditrepair.com
TOLL OFFICE (866) 979-1099 x207
TOLL CELL (877) 254-4900
DIRECT IP LINE (702) 487-3401
FAX (866) 979-1097
FAX 2 (808) 826-1444
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American Credit
529 Posts |
Posted - 08/27/2008 : 5:20:04 PM
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quote:
Originally posted by nofeebkr
Great Information Matthew. Thanks for the insite. On one of your deals you mentioned that the BK was not removed but the derogs were. Would you happen to know how this was done? quote:
Originally posted by mdavis
In answer to the BK question, every one has a legal right to dispute derogatory or any information that is erroneous reported on the credit report it is completely legal and everyones right.
BY EMPOWERING YOUR LEGAL RIGHTS!
F.A.C.T.A – Fair and Accurate Credit Transactions Act.
F.C.R.A. – Fair Credit Reporting Act
F.D.C.P.A. – Fair Debt Collections Practices Act
All of these legal rights have been handed down to protect consumers from mis information to be reported on their credit.
The credit bureaus are a 3rd party that is paid by lenders to report information about our clients.
Did you know that the more address's, jobs and names that you have reporting on your credit report can cost a consumer on average 50+ points.
If you have more address that tells the computer that you move around a lot and are not reliable, the more jobs you have tell the system that you can not hold a job, the more names and or alias's you have the more deceptive you may be or other persons with the same name can have their derogatory information creep up on your credit.
We know all of this is not true but try telling that to a computer. Even inquires can be removed especially if someone is shopping for a loan or car and multiple lenders have pulled their credit with or without the customers knowledge. These all need to be investigated and removed if it is not accurate information.
The same goes with a bk, a bk can be removed from a credit report 6 months after it has been reported if there is erroneous information reporting on the credit report that attaches to the credit report. This is not guaranteed but still needs to be investigated.
Everyone needs credit clean up, for most of us we have had credit for 10 to 20 years and if you still have the address reporting on your credit from college, you have a lot more address, job changes and alike reporting along with it. Even our 700+ credit borrower can win an edge by having a 50+ point increase especially if the are doing investment or jumbos.
Credit repair and restoration is not just for people with bad credit everyone can benefit by having it done and it is completely legal.
As for the bk question, most lenders including FHA and Fannie Backed loans will lend to borrowers 12 to 24 months after bankruptcy seasoning as long as good credit has been re-established. Case in point I have a bk borrower that did not have credit restoration and his score was 521 mid. Another client that did credit restoration had a BK and did the credit restoration, the BK was not removed by the derogatory trade lines were as when a person files for bk all debts are forgiven. Thus this eliminated all of his derogatory tradeline accounts before credit restoration he had a 489 credit score and after a 687 mid. Both had seasoned bk's over 24 months. The first did not get financing for the home, and what do you know the second one did.
It is important to educate yourself and go with reliable credit restoration companies as there are many hacks out their.
Click the link below before you run your mouth of stating that your taking something to the authorities when it is everyones LEGAL RIGHT TO DISPUTE CREDIT REPORT INFORMATION.
And just so you know if something is removed from a person credit it can not ever come back on or the credit reporting agency can be fined up to and sometimes exceeding $500k per occurance for lender they can be fined 10% or more of their net worth.
Educate yourselves and dont assume what is legal and what is not.
The 1003 questions should always be answered truthfully as a BK will not affect someone qualifing for the home if they have good re-established credit. There is never a reason to lie when people are exercising their legal rights.
Are you in need of Credit Restoration and or Repair?
We’ve been successful in PERMANENTLY REMOVING inquiries, late pays, collections, chargeoffs, repossessions, bankruptcies, foreclosures, judgments, tax liens, child support, and student loans, and Duplicates of personal history. Click the following link to learn more!!
http://imperiallegal.com/rep/matthew
Click this link to refer a friend today!!
http://imperiallegal.com/ae/matthew
Matthew Davis
Commercial and Residential Loan Specialist
Direct: 321-848-2004
Fax: 321-636-0376
brevardmortgage@hotmail.com
You don't have to dispute the BK public record to clean up the mess that is left from the BK. In most cases the balances, rating, and DLA's are inaccurate following a BK. These items are generally easy to get removed or updated to an unrated status which will typically result in very large score increases. |
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nofeebkr
63 Posts |
Posted - 08/27/2008 : 5:40:05 PM
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Thanks Sam. I have a bwr who's BK 7 was discharged one yr ago. The creditors now show a zero balance but some still provide a rating or pymt history and other's say the acct was charged off. Any suggestions? This question is for Matthew as will.quote:
Originally posted by American Credit Repair
quote:
Originally posted by nofeebkr
Great Information Matthew. Thanks for the insite. On one of your deals you mentioned that the BK was not removed but the derogs were. Would you happen to know how this was done? quote:
Originally posted by mdavis
In answer to the BK question, every one has a legal right to dispute derogatory or any information that is erroneous reported on the credit report it is completely legal and everyones right.
BY EMPOWERING YOUR LEGAL RIGHTS!
F.A.C.T.A – Fair and Accurate Credit Transactions Act.
F.C.R.A. – Fair Credit Reporting Act
F.D.C.P.A. – Fair Debt Collections Practices Act
All of these legal rights have been handed down to protect consumers from mis information to be reported on their credit.
The credit bureaus are a 3rd party that is paid by lenders to report information about our clients.
Did you know that the more address's, jobs and names that you have reporting on your credit report can cost a consumer on average 50+ points.
If you have more address that tells the computer that you move around a lot and are not reliable, the more jobs you have tell the system that you can not hold a job, the more names and or alias's you have the more deceptive you may be or other persons with the same name can have their derogatory information creep up on your credit.
We know all of this is not true but try telling that to a computer. Even inquires can be removed especially if someone is shopping for a loan or car and multiple lenders have pulled their credit with or without the customers knowledge. These all need to be investigated and removed if it is not accurate information.
The same goes with a bk, a bk can be removed from a credit report 6 months after it has been reported if there is erroneous information reporting on the credit report that attaches to the credit report. This is not guaranteed but still needs to be investigated.
Everyone needs credit clean up, for most of us we have had credit for 10 to 20 years and if you still have the address reporting on your credit from college, you have a lot more address, job changes and alike reporting along with it. Even our 700+ credit borrower can win an edge by having a 50+ point increase especially if the are doing investment or jumbos.
Credit repair and restoration is not just for people with bad credit everyone can benefit by having it done and it is completely legal.
As for the bk question, most lenders including FHA and Fannie Backed loans will lend to borrowers 12 to 24 months after bankruptcy seasoning as long as good credit has been re-established. Case in point I have a bk borrower that did not have credit restoration and his score was 521 mid. Another client that did credit restoration had a BK and did the credit restoration, the BK was not removed by the derogatory trade lines were as when a person files for bk all debts are forgiven. Thus this eliminated all of his derogatory tradeline accounts before credit restoration he had a 489 credit score and after a 687 mid. Both had seasoned bk's over 24 months. The first did not get financing for the home, and what do you know the second one did.
It is important to educate yourself and go with reliable credit restoration companies as there are many hacks out their.
Click the link below before you run your mouth of stating that your taking something to the authorities when it is everyones LEGAL RIGHT TO DISPUTE CREDIT REPORT INFORMATION.
And just so you know if something is removed from a person credit it can not ever come back on or the credit reporting agency can be fined up to and sometimes exceeding $500k per occurance for lender they can be fined 10% or more of their net worth.
Educate yourselves and dont assume what is legal and what is not.
The 1003 questions should always be answered truthfully as a BK will not affect someone qualifing for the home if they have good re-established credit. There is never a reason to lie when people are exercising their legal rights.
Are you in need of Credit Restoration and or Repair?
We’ve been successful in PERMANENTLY REMOVING inquiries, late pays, collections, chargeoffs, repossessions, bankruptcies, foreclosures, judgments, tax liens, child support, and student loans, and Duplicates of personal history. Click the following link to learn more!!
http://imperiallegal.com/rep/matthew
Click this link to refer a friend today!!
http://imperiallegal.com/ae/matthew
Matthew Davis
Commercial and Residential Loan Specialist
Direct: 321-848-2004
Fax: 321-636-0376
brevardmortgage@hotmail.com
You don't have to dispute the BK public record to clean up the mess that is left from the BK. In most cases the balances, rating, and DLA's are inaccurate following a BK. These items are generally easy to get removed or updated to an unrated status which will typically result in very large score increases.
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Rene Viloria
1826 Posts |
Posted - 08/27/2008 : 5:46:19 PM
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quote:
Originally posted by bestbet123
Of course you have to disclose it on your 1003 but getting it removed from your credit is awesome and is sure to bring your scores up.
By the way did i mention that Alina is HOTT!!!!and knows her shtuff.lol
how you know she is hot???????Where can i see her pics???????I may do business with her, i mean business...lol! |
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American Credit
529 Posts |
Posted - 08/27/2008 : 6:22:56 PM
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Nofeebkr,
I would suggest either having them send in the generic form letters to all 3 bureaus (usually not the best results) or hire a credible credit repair company. I'm not going to promote my company on this thread because I really don't want to hijack Alina's thread. If you would like me to review the file or need my help please email me at the address listed below.
Thanks, |
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CoolMtgGuy
3658 Posts |
Posted - 08/27/2008 : 7:12:16 PM
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Only the very privileged are allowed to see her pic ... but you need to just trust us. She is hot.
Okokok ... http://myezcreditrepair.com/About_Us.html
quote:
Originally posted by Rene Viloria
quote:
Originally posted by bestbet123
Of course you have to disclose it on your 1003 but getting it removed from your credit is awesome and is sure to bring your scores up.
By the way did i mention that Alina is HOTT!!!!and knows her shtuff.lol
how you know she is hot???????Where can i see her pics???????I may do business with her, i mean business...lol!
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toddblue
2397 Posts |
Posted - 08/27/2008 : 7:35:47 PM
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quote:
Originally posted by CoolMtgGuy
Only the very privileged are allowed to see her pic ... but you need to just trust us. She is hot.
Okokok ... http://myezcreditrepair.com/About_Us.html
quote:
Originally posted by Rene Viloria
quote:
Originally posted by bestbet123
Of course you have to disclose it on your 1003 but getting it removed from your credit is awesome and is sure to bring y | |
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