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Recent Credit Report questions

I am interested in getting a HELOC loan on my primary home.

I am interested in getting a HELOC loan on my primary home. We have a BK on our credit that won't fall off until 2019.We have great credit and scores are in the mid 700's and we have a good amount of equity in our home.Is there any bank out there that would give us a HELOC? We haven't tried any yet we don't want our credit ran all over and it lowers our fico scores. Please advise further.

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bkb1956

Enrolled Agent, Paralegal

5,986 satisfied customers
What are good safe sites to get all three credit reports

What are good safe sites to get all three credit reports right away online without getting tricked into a monthly fee or ripped off? I need to print all three to work on fixing my credit score.

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Megan C

Master's Degree

29,996 satisfied customers
Is my credit score with the 3 bureaus directly affected by

Is my credit score with the 3 bureaus directly affected by signing contracts with utilities companies? Also, more specifically, is my score affected by signing a contract with a phone company like ATT? I see a credit inquiry on my credit report after they pulled up my credit report. The sales rep. at the store mentioned that paying the high deposit (because of poor credit) of almost $1,000 to secure the service contract and paying on time every month would help my score. Is this true?

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Lane

JD, MBA, CFP, CRPS

Doctoral Degree

19,768 satisfied customers
When applying for a mortgage, if I have an unpaid judgment

When applying for a mortgage, if I have an unpaid judgment that is not listed on my credit report, will the lender still see this information through another type of search? What if the property/loan is in a different state than the judgment?

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bkb1956

Enrolled Agent, Paralegal

5,986 satisfied customers
I live in Savannah GA and the state said I owe them back

I live in Savannah GA and the state said I owe them back taxes for a few years(08 and 09) because I didn't file. But I did file and I have the H&R Block paper work to prove it. What should my first step be to solve this. I have called the GA tax revenue office and they are less than helpful.

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Mark Taylor

Certified Public Accountant

Masters

2,666 satisfied customers
I'm not certain if I need to seek info from a lawyer,

I'm not certain if I need to seek info from a lawyer, finance, or a credit specialist. I am trying to raise my credit score. However, my income to debt ratio is sky high! This is due to very old student loans and past due revolving and credit card accounts that I'm paying off one at a time. . Since I work in social services, I'm under a re-payment plan of $463.00 a month. The remainder of the loans will be forgiven in 10 years, if all payments are made on time. However, my credit report shows that I owe $360,000 in loans. My salary annually is about $71,000 a year. Would it be advisable to include a 100 word statement explaining these loans? This is hurting my ability to get decent credit.

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PDtax

Owner

Master's Degree

7,370 satisfied customers
My friend owned a condo that he took out and unsecured loan

My friend owned a condo that he took out and unsecured loan ($17K) for the deposit on. He paid on it for 3 years (basically interest), but then ran into financial problems. His condo forclosed, sold for the amount owed, but he still owes on the unsecured loan. He then became unemployed, and that debt is still out there. The Bank it was out of said he could write a letter of hardship. He put it on the back burner, became employed again, and now pays rent + other things. He reapproached the bank and they offered for him to write the hardship letter, include his taxes from last year, and 3 recent months of bank statements.He is wanting to address this, but is also engaged to be married (she wasn't a cosigner, wasn't with him when he bought it), and paying for the wedding himself (large family, catholic).I know he can afford to pay about $75 a month until August of 2017, then increase it. Are there any tips you can offer for the letter, or is there a better option than the hardship letter?Also, The fiance may be wanting to look at purchasing a home, how will this affect her/both of them after marriage?

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Emilee Weaver

Controller

Masters of Professional Accounting

62 satisfied customers
Real Estate Question: I owe more money on my house than it

Real Estate Question: I owe more money on my house than it is worth. I have also experienced certain hardships via medical expenses and loss of job/income. I would like to know how to negotiate the principle on my home down. Currently I owe approximately $470k. The appraised value is approximatley $360. I would like to reduce the principle to $350 and then pay it off in cash. How do I go about doing this?

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PDtax

Owner

Master's Degree

7,370 satisfied customers
In February 2014 I received notice of a tax lien on my

In February 2014 I received notice of a tax lien on my personal SSN from the IRS. This was due to a negligent payroll clerk who did not pay payroll taxes. I was a 1/3 partner in the LLC and had left the day to day management of the company 6 months prior to the tax lien. Regardless, within a few days of receiving the letter from the IRS the payroll taxes were paid immediately and the IRS removed the tax lien. However, it was recorded with the county recorder and is a giant stain on my otherwise perfect credit. How is it possible that I am 1 of 3 partners that got hit with this on my personal credit while the other 2 partners didn't. Also, I was a silent partner for 6 months when this transpired and yet I have to pay for it on my credit for the next 7 years? I'm beyond frustrated with this. It has significantly dropped my credit score. How can I get this removed from my personal credit?

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Mark Taylor

Certified Public Accountant

Masters

2,666 satisfied customers
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