[emorybetsy]

I just posted this in another thread looking for help with NACA

I spent two hours on the phone with them today! (on hold with her most of the time while she talked to someone else about me). She pulled my credit report and for some reason she thinks I own two homes? Apparently there is a gap when we went from 100,000 to 200,000. She starts asking me about a 12 year old loan that has been refinanced several times over the years. Does she really think that a bank would allow me to hold one mortgage on two different homes? She is going to call back tomorrow to talk to my husband but he cant remember either. She acted like I was lying to her. I felt like she was passing judgment on my financial decisions, is that part of the deal? Is she a credit counselor? The bottom line is I have 1 house worth more than I owe on it and considering how low values are right now, I made appropriate improvements to my home! What is the problem? What are they looking for? Has anyone else found them difficult to deal with? I feel like giving up with them.fficeffice" />>>