How To Refinance

Question: How to refinance with bad credit, late payments?

(Posted by: tiggergurl on 2009-06-09 11:33:42)

Ok here's the deal..my husbands work has slowed greatly(yes is do work, smaller check wont cover bills) we have low credit scores in the 500's and have 4or 5 late payments here in these last few months..we are struggling espically with a baby on the way..i just want someone to talk to me and work with me, i have contacted my mortgage co homecomings and they keep telling me to call back the next month and the next month etc.. so i have given up on them helping me..what do i do? where do i go from here? i dont want to file BK nor foreclose..please someone help

Posted by: mar c on 2009-06-09, 11:39:08

Your choices....new jobs.....bk......foreclosure....hit the lottery....

Posted by: sportcoatman on 2009-06-09, 11:42:34

I can show you how to dispute your late payments. That way your scores will go up if ruled in your favor. Also, if your apply for something while your disputing items, they they scores from the negative items wont calculate. For ex. Lets say your score are 500 because of two late accounts. If you dispute those accounts, while they are in dispute, your scores from those account wont calculate. Therfore your scores should rise while they are in dispute (which last up to 45 days). So while the credit bureau is investigating, apply for new credit online. I can walk you through it further by phone, send me an email.

Posted by: Jim on 2009-06-13, 05:35:52

Creditreport.imess.net - try this service to boost you credit score before getting loan. After credit repair you can get the loan with minimal interest rate.