getting a loan without a house

That is the question. I just received word that I was approved for an 80/20 for up to $189.900. I am a first time home buyer, and now need to make a decision to escrow or not. In speaking with a co-worker, I learned that lenders frequently sell mortgages, and in her experience, there was a problem with transferring the escrow account. They were making the usual payments, and one day the Tax Collector calls them up to inform them taxes had not been paid, and a lien will be placed on the home if not paid. Is this an isolated incident, or something that tends to happen frequently? Other then having to only make 1 monthly payment for all costs, what are the advantages of escrow? As long as your disciplined enough, wouldn't making tax payments yourself make more sense?
I'ld settle for something similar with a lifetime subscription to EQ CWG thrown in for good measure
You are probably WAY past SOL for any legal collection.And likely past the 7 years for your credit report as well, which is why it is not on there.
(Getting a loan without a house) "Probably the most common problems consumers have - and this is a problem that, of its nature, will never go away, no matter how much good will and expertise collectors have - is the misidentification of someone as a consumer because of identical or very similar names, use of nicknames, name changes, etc.
The part that I DON'T like is that under the revised law, if the CA hasn't put the account on your credit report then they don't have to investigate or reply to you....
If anyone would like the full report with the graph please email me at don@aimloans.com.

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Again I put out the disclaimer that all lawsuits are up to interpretation and this is by no means a slam dunk, but I think all three of you should step back for a minute and stop thinking of this as a high level legal discussion and think of it as a way of getting to a CA who refuses to negotiate to work with you.
Should we try to negotiate a settlement or should I try to dispute the charge offs or should we just let them sit there and eventually drop off?
Does anybody out there know if having a past bk with a CU will stop us from being able to obtain a loan through a CU in the future?
(Personal loans for 500 fico) Oh well....I'm a rebuilder, and I already have some of the subprime cards...can't seem to get my foot in the door for some of the prime cards...not just yet anyway...so when I read about CB& T, I figured...well why not?
On EQ, are they listing in the CA section of the report, or in the regular creditor section?
Does anyone know the effect on disputing online with CSC if you do not have the full account no? I want to start because I am sick of waiting for my hard copy report, but the account numbers i can get off PG are not complete. Should I wait, or dispute with only partial account no's?
They will just tell you that local law enforcement will handle your case and seek damages from the person who did it.
(A jar of salsa is nice but it's not that great right out of the bottle.

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My mother in law is telling us that we need to buy 2 rent houses to add to the other 2 before we buy our own home.
Picantel I had no problems with him either, but he has further stated that that remark was aimed directly at me lol..
I had a repo in 99 that was reaged in March to make it look like it happened infeb...of THIS year!
(Loans without teletrack approval) Since then, our situation has dramatically changed and I am researching for some answers to a couple of questions that I have to determine our best possible choice of options now in order to be able to get another mortgage in 2 to 3 years.
Americredit actually followed the law and put a notation "consumer disputes accuont information" on all of my reports...when I didn't.
And of course, they haven't sent me another preapproval like all the others do if you don't take the first offer.

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In the end, their lawyer even admitted to me that the collection accts that belonged to someone else, were not mine and they knew it.
Look for the thread on amex minimum approval criteria, it was recently discussed.
Or they just call you in for a deposition in aid of execution and ask about your assets, try a surprise garnishment on wages or bank accounts, etc. You need to make them think that any payment will not be coming from your own resources .
(Personal loans 28no questions asked 29) I have heard this also, but some card companies play around a little with this.
waalien for extra skins, great ideas, and soon to be unveiled html pages.[lis
I understand that with a few unsuccessfully attempts will affect your overall credit score but like "Wiggums" stated he dropped his interest payment from 14% to 6.5. With a savings like that wouldn't it be worth it to look around and see what I could get?

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Thanks for that info..I'd like to start the dispute process, because 3 more calls got me nothing...
Is it enough for me to say to not call me at home or work or does this have to be in writing? Have others in this situation simply gotten caller ID and screened all their calls?
Until recently my lead-footed older son was on my auto insurance policy .
(Easy qualifying bad credit instant loan) CONTRACTING FOR, CHARGING, OR RECEIVING INTEREST OR TIME PRICE DIFFERENTIAL; USURIOUS INTEREST.
NCO COLLECTED ALOT OF MONEY AND NEVER FORWARDED THE MONEY TO THE CREDITOR AFTER 5 YEARS AND YES I KNOW ITS AGAINST FRCA
My allegation is that CA was in receipt of dispute/validation request and failed to report account as disputed.

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Likely they didn't REALLY verify or it wouldn't have been deleted from the other 2 and you wouldn't have received only a copy of an application as an attempt at validation and from someone who doesn't own the debt.
Consumers directly affected by the suit will be notified by early August.
I asked about reporting and the woman said she has no control over it and that it is done automatically in the system.
(No bank account cash advance) I think they shot themselves in the foot by changing the trade line to $0 owed, when we didn't pay them anything.
My question is this, if I mail a copy of this check to the person it belongs to with a copy of the FDCPA, what would their recourse be.

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I probably could have done a little bit better, but this is good enough.
Thankfully, our monthly "debts" are low but between childcare, rent, insurance, medical,groceries and utilities etc there isn't a lot each month left over to save.
If you just attempt to bargin in good faith the CA will eat you alive and then spit out your financial future.
(Quick cash instant approval bad credit) Most of the stuff has pretty decent potential for disappearing eventually, I think. But I'm out of time. I need it gone today.
It's just difficult sometimes to interpret the laws and to remember everything you read.
It also keeps me from getting in over my head while allowing me to perpetuate a good history....
I know he may feel like a failure, we all do, we all have our days, but I just can't tell you how much of a change it made. My DH was a wreck and he too was the one who fought it too, FOR THE 9 MONTHS!!!! I pay the bills, so I see where the money goes, and then whre it didn't go because we didn't have it. Our home was at the 45 day mark to foreclosure, thank GOD we had a plan, sold the last of a crappy stock we had and were able to keep our home. Our neighbors and friends know NOTHING, we just told them with the changes in job and income, some things have to go, as far as the Jeep was concerned. We kept our home, furniture, my jewelry, not that I have alot, but I do have a couple of nice things, however, you can't sell or pawn them for squat, which teaches me that I will never spend a dime on another diamond.