mortgage fraud
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Credit/Identity Fraud?
Asked by J.K. from Omaha
on March 25, 2012
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Hi ladies, so I'm freaking out a bit...
I decided to check my credit status this weekend since I have not done it before (I'm only 21, almost 22). I haven't needed ...
Answers
- The mortgage on there could be intentional fraud, by your mom or whoever, or it could be a computer mix up ( human beings don't usually add stuff to those reports man...
- I would contact the credit agency. They may request more info from you the old fashioned way--a copy of your drivers license and another piece of ID. Then they will ...
- I work at a bank and teach our employees all about credit reports and how to pull them. I pull my own 3 times a year (1 agency every 4 months). There is no reason ...
Mortgage Question
Asked by A.M. from New York
on December 6, 2011
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We are preparing ourselves to by our first home within the year. Today we were told we could afford a mortgage of $X. Now, NJ is a very expensive state so what X can b...
Answers
- Aside from the tax question/problem. Find a house where the payments are similar to your rent. You should be able to pay your mortgage payment and the utilities with...
- When you applied for the loan, what income did you list? That's what the loan is based upon. If you increase your income, then there is a possibility that you can be...
- If you eliminate debt it might help you get approved for more. We've been turned down for debt to income ratio before.
Misogyny or Is He Just Trying to Do the Right Thing for His Customer?
Asked by D.H. from New York
on October 17, 2011
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This is a long story so thanks in advance for your patience. I wish I had some today.
Dad is on a fixed income with a small savings and a house with significant equ...
Answers
- If you are concerned with this broker's business practices, I advise that you report it to your state's Division of Finance. In Missouri, our state DoF will quickly i...
- It has nothing to do with hatred of women, D.. It has to do with covering his behind. HE is one of the many bankers who contributed to blowing up our economy. This ...
- Misogynistic implies discrimination or negative thoughts based on gender. The underwriter is a woman and the broker is a man, but why would that mean the broker is bei...
Credit Card Debt
Asked by D.G. from Lincoln
on March 3, 2011
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A friend at work and I were talking about that ad we hear all the time about if you are $10,000 in debt and they'll get you out of it. Does anyone know anymore about ...
Answers
- If you are not delinquint (sp?) on your current debt I would suggest working on the Dave Ramsey method of snowball to pay off your debt. If you ARE delinquint contact ...
- If you are settling, that could hurt your credit. I have used www.careonecredit.com They are a credit counseling service and it will NOT hurt your hurt as some peop...
- Like the other moms said, it will ruin your credit. They will advise you to stop paying your credit cards for 6 months, and only then will the credit card companies ne...
Doing My Taxes - Qualified Childcare Expenses
Asked by T.K. from Dallas
on January 4, 2012
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I am filling out my return and hit a bit of a wall. I changed child care providers this year. The in-home lady that has always kept my children was fine with me repo...
Answers
- Seems obvious to me. She doesn't claim the income. You can't claim the expense. There is no alternative way of claiming the expense. If there were it would be in t...
- If she's cheap and a great provider, I guess you have to eat the deduction.
- So,I am guessing here she has no EIN #.Do you get receipts from her,you can use those. Also,I agree with Gamma G. You just do the right thing for you and your hous...
Need Organizational Help. When Should I Shred Older Documents?
Asked by A.E. from Chicago
on September 14, 2009
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Hello ladies,
I know this is an inquiry non related to moms but I do need help and this has always been a fantastic source of information.
I have been going thro...
Answers
- You have received some good input here, I just wanted to add that you can pay your bills online and you won't be receiving paper statements anymore. We pay through Che...
- Keep tax related info for 7 years. As far as the old mortgages, I would keep the payoff letters only. You should keep all home improvement receipts & any other big tic...
- I hope this helps, Tax Returns. The general rule for tax records is to retain them for seven years. When you file the new return shred the newly expired one. The IR...
So What Important Bill Paperwork Do You Keep?
Asked by D.D. from Pittsburgh
on July 7, 2011
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I try not to be a horder, but everytime I look at my desk and filing cabinet I think I keep way too much information. I know birth certificates, titles, deeds are a gi...
Answers
- I throw away everything. I only keep something if I have a question about something on the bill. It is easier for me to look in my checkbook journal to see what I pai...
- I don't know - I have never figured this out and it drives me crazy. Great question.
- I used to keep EVERYTHING. Over time, I've realized that pretty much everything is available online, from past billing statements (even mortgage info) to insurance EO...
School Documentation
Asked by C.B. from Dallas
on December 3, 2010
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When we first moved here we were required to provide proof that we live in the school district when we enrolled our children in school. A mortgage statement and a uti...
Answers
- A lot of schools are going to this. now that the government is so far behind in payments to the school the schools are making sure that each and every student enrolle...
- I agree with you one this one. This is just another one of the ridiculous rules that BOE's dream up. I know they are trying to prevent fraud, but I'm sure there's ...
- I'm fairly certain it's a state law . . . I'm in Waxahachie and it's the same thing. We've had to re-enroll every year. . . . trust me, it's just as big a hassle to ...
Fraudulent Credit Claims
Asked by A.B. from Memphis
on February 19, 2007
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I have read all the requests in the legal and financial, and have not found an answer for my problem. Just a few weeks ago my husband and I turned in an application f...
Answers
- A. B. maybe I can help. Email me ____@____.com. I can give you some pointers - or you can visit creditboards.com for assistance
- A., I worked as a mortgage processor for 10+ years and we saw things like this all the time. If you have already callled and faxed contracts and such with not resu...
- Hi...I would recommend sending this email on to Suze Orman, I guess her website would be suzeorman.com. She always has fantastic financial advice; I'm not a person wh...
Should I Foreclose on My Home?
Asked by N.O. from Detroit
on April 26, 2009
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My husband and I have been living in our home for almost 6 years. We love our home and we have done alot of work to since we bought it. I'm grateful that we both have...
Answers
- I understand you dilemma. However, you will be so disappointed if you think that affluence will automatically equate to better breeding. My sister & BIL's neighborhood...
- i can understand that if the neighborhood is getting bad that is one reason to move, but i think too many people are "giving up" on their houses and foreclosing for wr...
- Hi N., I am in somewhat of the same situation, we have 2 issues, one our neighborhood is going down hill and we have outgrown our house. We spoke with a realtor and t...
