Good Morning!
The How To Remove Disputes From Your Credit email that I sent out earlier this week has been very popular, and contains key tips if you face this problem.
...if you missed it - Click here to read it.
My gift to you...
Take a couple of minutes today and watch this short video... 10 Rules For Being Human.
To see if you qualify for a mortgage right now - CLICK HERE and fill out this simple application.
To sign up for my weekly mortgage quick tips - CLICK HERE.
To download this report "4 Easy Ways To Get Someone Else To Pay Your Closing Costs!" - CLICK HERE.
Thanks for reading, and have a great day!
Brett
Wednesday, February 22, 2012
Monday, February 20, 2012
New Trick To Getting Disputes Removed From Your Credit...
Good Morning!
If you have been denied a loan because you disputed an account, and then couldn't get the dispute removed when you needed to get a mortgage - I have a solution for you...
I can now get most of your disputes removed with a simple letter! ...Contact me for the EXACT letter format you have to use to get these removed.
Here are my new guidelines for getting disputes removed from your credit...
Transunion (TU) will now accept letters from the consumer regarding the removal of dispute comments. TU will verify with the creditor, but the letter from the creditor will not be needed.
The consumer letter will only address the 'account in dispute reported by consumer' comments. If there is any other verbiage such as "dispute resolved-consumer disagrees" or anything else, the letter from the creditor will be required.
The consumer must write the letter to include the date, their name, address, refer to the name and account number of the creditor as it appears on the report and a brief explanation that they are no longer disputing any information on the account and would like the comment removed.
Equifax (EQ) will now accept the consumer letter to remove the dispute comment specifically stating 'consumer disputes'. The consumer must first call the creditor to 'note' the account that they are no longer disputing the information.
If the comment states 'dispute resolution pending', we cannot remove that comment. This means there is already an 'investigation' pending on the account. This usually happens when the consumer contacts the bureau Equifax directly to inquire about the account. This can also happen if the consumer is working with a credit counseling company or another vendor doing a similar update.
'Dispute resolved-customer disagrees' requires a letter from the creditor, dated, on their letterhead, reference the account number as it appears on the credit report and specifically state the account is no longer in dispute and the comment will be removed.
Experian (EX) will accept a letter from the consumer to update most dispute comments.
Remember - you have to use a specific formated letter to do this - be sure to contact me for a copy if you are in this situation.
To see if you qualify for a mortgage right now - CLICK HERE and fill out this simple application.
To sign up for my weekly mortgage quick tips - CLICK HERE.
To download this report "4 Easy Ways To Get Someone Else To Pay Your Closing Costs!" - CLICK HERE.
Thanks for reading, and have a great day!
Brett
If you have been denied a loan because you disputed an account, and then couldn't get the dispute removed when you needed to get a mortgage - I have a solution for you...
I can now get most of your disputes removed with a simple letter! ...Contact me for the EXACT letter format you have to use to get these removed.
Here are my new guidelines for getting disputes removed from your credit...
Transunion (TU) will now accept letters from the consumer regarding the removal of dispute comments. TU will verify with the creditor, but the letter from the creditor will not be needed.
The consumer letter will only address the 'account in dispute reported by consumer' comments. If there is any other verbiage such as "dispute resolved-consumer disagrees" or anything else, the letter from the creditor will be required.
The consumer must write the letter to include the date, their name, address, refer to the name and account number of the creditor as it appears on the report and a brief explanation that they are no longer disputing any information on the account and would like the comment removed.
Equifax (EQ) will now accept the consumer letter to remove the dispute comment specifically stating 'consumer disputes'. The consumer must first call the creditor to 'note' the account that they are no longer disputing the information.
If the comment states 'dispute resolution pending', we cannot remove that comment. This means there is already an 'investigation' pending on the account. This usually happens when the consumer contacts the bureau Equifax directly to inquire about the account. This can also happen if the consumer is working with a credit counseling company or another vendor doing a similar update.
'Dispute resolved-customer disagrees' requires a letter from the creditor, dated, on their letterhead, reference the account number as it appears on the credit report and specifically state the account is no longer in dispute and the comment will be removed.
Experian (EX) will accept a letter from the consumer to update most dispute comments.
Remember - you have to use a specific formated letter to do this - be sure to contact me for a copy if you are in this situation.
To see if you qualify for a mortgage right now - CLICK HERE and fill out this simple application.
To sign up for my weekly mortgage quick tips - CLICK HERE.
To download this report "4 Easy Ways To Get Someone Else To Pay Your Closing Costs!" - CLICK HERE.
Thanks for reading, and have a great day!
Brett
Wednesday, February 8, 2012
Not Having Enough Of These Can Kill Your Mortgage...
Good Morning!
Have you or someone you know been turned down for a mortgage because they didn't have enough trade lines?
Trade lines are active credit accounts (credit cards or installment loans usually) that show up on your credit report.
Solution: As long as you have at least a 620 credit score, and I get an automated approval on you - I have no minimum trade line requirements!
This is huge and can save your deal if you are in this situation!
Let me know if you have been told you don't have enough trade lines - I can probably help you out!
If you would like to see if you qualify for a mortgage right now - click here and fill out this simple and quick application.
Have a good day today! ...and thanks for reading.
Brett
Have you or someone you know been turned down for a mortgage because they didn't have enough trade lines?
Trade lines are active credit accounts (credit cards or installment loans usually) that show up on your credit report.
Solution: As long as you have at least a 620 credit score, and I get an automated approval on you - I have no minimum trade line requirements!
This is huge and can save your deal if you are in this situation!
Let me know if you have been told you don't have enough trade lines - I can probably help you out!
If you would like to see if you qualify for a mortgage right now - click here and fill out this simple and quick application.
Have a good day today! ...and thanks for reading.
Brett
Wednesday, February 1, 2012
How To Close On A House That Needs A Little Work...
Good Morning!
I've written about this topic before - and I think it deserves mentioning again.
You would be amazed how many people (including realtors) that don't know this is a way to solve this common problem when you buy a house.
Problem: You are in the process of buying a house that needs minor repairs - but the seller refuses to do them - what do you do?
This situation happens a lot, especially on bank owned homes.
The simple answer is to use an escrow hold back. ...an escrow hold back is a small amount of money that is held out of the seller's proceeds from the sale to make the repairs.
You have to write the escrow hold back right into the contract - under special provisions. To avoid having to rewrite this clause - be specific. Your realtor will need to write - "An escrow hold back in the amount of $______ will be used for (specific) repairs."
One key with the escrow hold back is the repairs need to be minor - and they can't take that long to finish. ...an average amount of an escrow hold back is $1,500 to $5,000.
Knowing how to solve minor repair problems on an offer - can sometimes make the difference between getting a great deal on a house, or not buying it at all.
If this situation comes up with your deal - just give me a call - I can help you out.
If you would like to see if you qualify for a mortgage right now - click here and fill out this simple and quick application.
That's it for today!
Have a good day today! ...and thanks for reading.
Brett
I've written about this topic before - and I think it deserves mentioning again.
You would be amazed how many people (including realtors) that don't know this is a way to solve this common problem when you buy a house.
Problem: You are in the process of buying a house that needs minor repairs - but the seller refuses to do them - what do you do?
This situation happens a lot, especially on bank owned homes.
The simple answer is to use an escrow hold back. ...an escrow hold back is a small amount of money that is held out of the seller's proceeds from the sale to make the repairs.
You have to write the escrow hold back right into the contract - under special provisions. To avoid having to rewrite this clause - be specific. Your realtor will need to write - "An escrow hold back in the amount of $______ will be used for (specific) repairs."
One key with the escrow hold back is the repairs need to be minor - and they can't take that long to finish. ...an average amount of an escrow hold back is $1,500 to $5,000.
Knowing how to solve minor repair problems on an offer - can sometimes make the difference between getting a great deal on a house, or not buying it at all.
If this situation comes up with your deal - just give me a call - I can help you out.
If you would like to see if you qualify for a mortgage right now - click here and fill out this simple and quick application.
That's it for today!
Have a good day today! ...and thanks for reading.
Brett
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