Timeline of Credit Reporting
I have a fair credit. When I got my three credit reports, I found things that have expired – that is, they were over seven years old. When do these things get taken off your credit history? I thought...
View ArticleGo Away 30-day….No! Stay!!!
Hello Paul, I am beginning the process of obtaining a mortgage and pulled my credit reports only to find a car loan on them that I didn’t recognize. The loan was listed as a joint account with my dad....
View ArticleWhat Happens If I Don’t Pay My Credit Card?
I have a credit card account that was closed because it was maxed out and i was not able to pay the minimum at the time (went on for about 5 months). Now that the account is closed, what happends next?...
View ArticleShould Denise Default?
My husband and I have been trying to sell a house in Pittsburgh for 11 months now. We have been making every payment on time even though we are not living there. At this point, we need to get out from...
View ArticleDelinquent Property Taxes
I’m not sure if you can answer this question. I’ve been reading it to clear up my credit but I have a different question now. I’ve been renting a house for about 8 years and for the last 5 years I’ve...
View ArticleLate Payments During Short Sale
Your website has been very helpful, thank you! I was unable to find this question in your site. Whether the mortgage company can still report to the credit agencies the lack of payments during the...
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Chargeoff With No Late Payments?
Is it possible to have no late payments and still have a chargeoff with a creditor. Isn’t that considered to be reporting incorrectly. Afterall how can one have no late payments and a chargeoff?? What...
View Article14.41% of All Mortgages Delinquent
“The combined percentage of loans in foreclosure or at least one payment past due was 14.41 percent on a non-seasonally adjusted basis, the highest ever recorded in the MBA delinquency survey.”...
View ArticleConsumers Paying Credit Cards Over Mortgages
Housing Wire – In what it is calling a historic trend reversal, credit score provider FICO, is seeing more borrowers with a high credit score preferring to pay their monthly credit card bill over their...
View ArticleCosign Entwine
I cosigned for my 21 year old to buy a car. She was late on her july payment and I didn’t find out until the underwriter repulled my credit prior to closing on a refinance of my mortgage.This is the...
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