SUCCESSFUL LOAN MODS(5yrs fxd) PAY ATTENTION (THE BATTLE IS OVER BUT THE WAR HAS JUST BEGUN)

[bigdawg50]

Wow, that is great. How did you know how to do all this. What a winner. Good luck

[925girl]

Awesome! Good for you and her! Obviously you are on it but make sure the charge off's really get removed after payment. Sometimes the cc SAY they will but don't.

[unclmikl]

here is a new twist
i wanted to increase my girlfriends available credit through asking an exisiting creditor (j.p. morg chase) for a credit line in crease as this usually does not count as an inquiry against you as it is treated as a review.
so when we called chase and ask for an increase they asked for permission to review her credit. and we garanted it. no keep in mind i called chase . but they pulled the credit through thier subsidiary first usa bank so it looked like an inquiry for new line of credit and cost her 12 points on her fico. i was able to dispute it because we authorised chase and not first usa . and it has been deleted . still havent gotten the 12 points back yet.

So Be Aware.

also if you have problem with a creditor and the person you talk to on phone doesnt seem to be able to help you ask for thier supervisor and if that person cant help you ask for thier supervisor.(be level headed)

I had to do this with the above mentioned case. until i got supervisors voice mail and left a message. which they did return. (i had already disputed it through the credit bureau as an unauthorised inquiry and had it removed)
but i let that supervisor know that i was not happy cause in my wifes current situation of closing on a new loan in 2 weeks that if the new lender pulls a credit report b4 closing and sees we were trying to open a new credit acct. it could have caused complications. in some cases people loose loans cause of this. the supervisor agreed with me that it these times that the stricter underwriting guidlinesthis could have been problematic.
she did not hower ever say that they would stop thier practice of pulling credit through thier subsidiary. which i feel is completely fraudulent.
IF I WANT YOUR SUBSIDARY PULL MY CREDIT I"LL CALL THEM!
have a great day
unclmiklo

[unclmikl]

and big wdawg 50
in response to your question . how did i learn this
It first started with me paying one of those credit correction agencies. i used a good , but stillthrough our correspondence i felt i was getting enough bang for my buck after spending nearly $700 i decided to research online do it yourself credit fixes and hyave found the best way and fastest way is by doing it yourself.after using many different credit report companies and sites for credit repair. I found it easier and faster to go right to the source. I like to use equifax credit monitoring. i can see my fico monitor any inquries and most important to me is that through thier web site i can pull a 3 in 1 credit so i can se all three bureaus side by side and dispute them from the one site. thier may be others that are good but this works best for me. and i like the alert preferences to i get an email if my score changes or an inquiry is made or balances change on existing accts.

world wide web
you can find the answer to anything
just might not be the one you want
uncl

[Evan Bedard]

unclmikl, love the saying at the end very true