Your Questions About Check My Mortgage Application

Jenny asks…

Where to report a mortgage lender practicing deceptive/dishonest methods to sell a re-fi?

Check this out ,
I looked into a re-fi, based on the loan officers assertion that I would “save a thousand dollars a year in interest” I proceeded with the loan application.

After reviewing the numbers , I discovered that though close to a wash , the re-fi would actually cost me a few thousand more than staying with my existing loan !

I reviewed and canceled in less than 24 hrs, but the bastards are trying to stick me with a $500.00 cancellation fee !

So where do I report them ?
The lender is out of state

I’m in California ,,, The lender Tenn.
I signed nothing,, all phone convo.

admin answers:

Your state’s department of commerce or attorney general’s office. Since it is an out of state broker, you need to contact California’s attorney general.

Maria asks…

Three credit bureaus won’t allow me to view my credit report?

I just turned 18 and I tried to open a checking account with HSBC. However, to verify my identity they asked me a particularly odd question,about a mortgage taken out in April 2008. They asked me to name the account provider and amount paid. I became curious,and decided to perform a credit check. When I filled out the application they too asked me the same question, when I was unable to answer. They told me I would not be able to view my credit report online.

Can someone,take out a mortgage using my social security number, even though I was 17 in April 2008? If so,what can I do, how will this affect my credit? Where do I go to find out additional information? Who would I report it to?

admin answers:

You might have to get it through the mail. But anytime you are denied credit you have 30 days to request a copy of your credit report. If you look at the paper they sent you denying your credit there should be the information for the credit bureau they used. Then if you see anything wrong contact the credit report and they can help you from there.

Lizzie asks…

Three credit bureaus won’t allow me to view my credit report?

I just turned 18 and I tried to open a checking account with HSBC. However, to verify my identity they asked me a particularly odd question,about a mortgage taken out in April 2008. They asked me to name the account provider and amount paid. I became curious,and decided to perform a credit check. When I filled out the application they too asked me the same question, when I was unable to answer. They told me I would not be able to view my credit report online.

Can someone,take out a mortgage using my social security number, even though I was 17 in April 2008? If so,what can I do, how will this affect my credit? Where do I go to find out additional information? Who would I report it to?

admin answers:

They ask that question to throw people off that may be trying to view your credit report without your knowledge. I remember them asking me that question also and being a little confused.

I doubt someone has taken a loan out, because… Like the previous person stated you most likely wouldn’t have been approved for one anyway…. You have to have a pretty large income, and at 17… I doubt that was the case.

Good luck! Remember some questions they ask will be curve balls.

Richard asks…

What is wrong with my resume?

I been looking for a job i just want to know if my resume legit?

Lakesha L.Herbert 
Address
City, State, zip
Cell: 
Email:

Objective:  I am seeking a position as a Customer Service Cashier in a major retail enterprise where my extensive experience of receiving, recording cash and charge payments and daily cashier charge activity will further help in the progress and expansion of the organization.

Qualification Summary: 
Result-oriented cashier with more than three years of experience in merchandising and customer service.  
Great ability to establish successful working relationships internally as well as externally.
Willingness and ability to cooperate as part of a team and service-oriented approach
Ability to maintain a professional, pleasant manner when interacting with members of the public, employees, and coworker

Education: 
High School Diploma 
Ville Platte High School, Ville Platte, LA 

Work History 
1st Franklin Financial (Prairieville, LA) 2006-2007
Loan Officer

Processed loan application such as auto loans, mortgage loans, debt consolidation loans made credit decision up to $5000
Process payment and daily balancing of teller drawer also made call to delinquent accounts 30-90 days past due field chase when necessary

Jack in the Box Houston, TX 09/07 – 09/08 
Customer Service 
▪Teamwork 
▪ Handled money and count down registers 
▪ Assisting customers with their food request 

JC Penney Co. Houston, TX 12/08 – 07/09 
Sales Associate 
▪ Assisting customer with merchandise 
▪ Maintain clean and orderly checkout areas
Resolve customer complaints
Receive payment by cash, check, credit cards, vouchers or automatic debits
Issue receipts, refunds, credits, or change due to customers

admin answers:

Leave out first person pronouns. Describe yourself without referring to yourself.

Use simple language to avoid sounding pompous.

If you make a claim be prepared to back it up with evidence. Don’t expect potential employers to take your word for anything.

Grammar and spell check your resume, there are a few errors. If I was the hiring manager this would be a deal breaker. Keep your sentence structures and format parallel. For example (in conjunction with my two next points):

Jack in the Box Houston, TX
Operated cash register.
Reconciled ending cash on hand with recorded amounts.
Maintained excellent customer service (if you’re making the excellent claim it would be nice to have customer service awards to back it up or at least be able to describe what made your service excellent in an interview. If I interviewed you I would ask.).
Functioned as as team member.

(Part of customer service is taking customer orders)

Use good action verbs. Google resume action verbs for good examples.

List items in your job description in the order of relevance to the job you wish you acquire.

Don’t forget references.

Good luck with your search!

Mandy asks…

Renting a house with bad credit?

I have just gotten a divorce. My ex lied to me a LOT about paying our bills and mortgage ( my bad for not checking up on him sooner) and then when I asked for a divorce he moved out, stopped contributing to our community debt, didn’t pay any child support (until ordered), and got a slimy attorney who forced me to get a lawyer myself, leaving me to fall behind in trying to keep up with bills. Needless to say we are losing the house, my credit is now labeled “bad” and I need to find a place to live for me and my kids.
I make a good living, can prove that I have the means to pay rent ( my boss even said he was willing to be a reference). My questions is, will having my Father cosign a rental application ( he has excellent credit) help me qualify? Should I explain to the rental company “why” my credit score is bad? Are there any programs through HUD that can help someone facing a foreclosure and bad credit qualify to rent?

admin answers:

Not all landlords will take you with bad credit even with a co-signer. Many will deny on credit alone & will not take any co-signers or larger deposits. No landlord ever has to make a deal with you because you have bad credit.

Why your credit is poor does not really matter. You are certainly free to explain but most landlords will not listen to & do not want to hear stories and in the end it would not make any difference. All you can do is apply & take your chances.

I’m not trying to sound mean, that is just the way it is.

You can try applying for HUD or Section 8. The problem is tat the waiting lists are years long in many areas. You have to go to your local housing authority & check with them if they are taking any applications.

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