Charged off account still reported monthly as CO, becu mortgage rates.#Becu #mortgage #rates


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Charged off account still reported monthly as CO? Re-aging?

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Re: Charged off account still reported monthly as CO? Re-aging?

Unfortunately, you are SOL as far as the constant updating. Vindictive lenders will do this knowing they are trashing your scores. They do it of course to try to get you to settle the debt. A lot of lenders will simply charge it off and the last update will be the date of the chargeoff. But they are within their rights to do what they are doing.

This is a case where you either have to settle the chargeoff (even for less than the full amount) so they will stop updating. Otherwise they will continue doing this until 7 years after the date charged off.

They are not re-aging the debt. If they were doing that, they show the date of first delinquency (or the charge-off date as the latest) moving forward into future dates. Re-aging has to do with how long it can report on your credit reports. That is not being affected by what they are doing. They are not saying the DOFD has changed.

Had they stopped updating at the time of chargeoff, you would be years past the last late payment reported date, but they are not going to give you that benefit.

Maybe you can settle for 25% of the debt and an agreement to delete or remove all the late payments after the charge-off date.

If you wait it out, they will keep doing this until 6/2018 when the reporting will stop.

FICO 04: EX-684, EQ-681, TU-724 – [9/5/2016]

NFCU NavChk 15K | NFCU Visa 6.99% 25K | CapOne 43K | CapOne 7K | Barclay Aviator 9.5K | Discover 17.5K | BECU Visa 10K | BECU PLOC 2.5K | DCU 7.5K | BofA 5K | Citibank secured 1K | CareCredit 10K | Lowes 10K | Amazon Prime 10K ***

173K Total Revolving

BK 7 Filed 8/23/2013 – Discharged 11/27/2013.

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Re: Charged off account still reported monthly as CO? Re-aging?
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Re: Charged off account still reported monthly as CO? Re-aging?

MyFICO discourages people from disputing items on their credit report that you would reasonably consider to not be inaccurate. You can however force the creditor to substantiate each and every fact they are reporting. You don’t say “I dispute it,” you say, “You say X Y Z. Prove it or delete it.”

What you do should be governed by what you are prepared to do to deal with this. Are you comfortable just letting it keep reporting and updating every month for the next several years? That would be one option, ignore it, but your score will keep getting hammered.

Another consideration is something in credit repair known as “poking the bear.” This essentially means you wake up a lender or collection agent who hasn’t really thought about you — or at least not felt inclined to do anything about your case.

When you open disputes, you will be brought to their attention. It could also cause a collection to suddenly appear on your report, further damaging you with a new negative. The fact that they are showing you have a chargeoff and zero balance would usually indicate that some third part collection agent owns the debt. That does seem inconsistent to me with them still updating monthly, but I’m unclear here.

Maybe the best thing to do is just call them, act kind of dumb (so WHAT is this debt about? LOL), and find out if they own it or if it’s been assigned out to a CA.

By drawing attention to yourself, you should have your plan in mind and be prepared to execute it. If you want to settle it for 30% or something, make sure you have the $$$ to do it (just don’t let them know that).

And in credit repair, there is always the “law of unintended consequences.” They could update the balance to some higher amount adding some interest or fees, or add more late payments to your account before the chargeoff . not necessarily out of spite, but just because they more carefully reviewed their file.

Good luck. Tell us what you decide to do and what outcome you get.

Do think it through carefully before you do anything. They are not threatening to sue you or calling you 20 times a day. They will just keep updating for the time being.

FICO 04: EX-684, EQ-681, TU-724 – [9/5/2016]

NFCU NavChk 15K | NFCU Visa 6.99% 25K | CapOne 43K | CapOne 7K | Barclay Aviator 9.5K | Discover 17.5K | BECU Visa 10K | BECU PLOC 2.5K | DCU 7.5K | BofA 5K | Citibank secured 1K | CareCredit 10K | Lowes 10K | Amazon Prime 10K ***

173K Total Revolving

BK 7 Filed 8/23/2013 – Discharged 11/27/2013.


Becu Mortgage Rates: Refinance Help Online #home #mortgage #loans


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Becu Mortgage Rates

Becu mortgage rates These copies are gone from state to state and other banks or investors in any electronic device such as fax, email, or other means? Yes, they were, every time your security instrument was assigned, sold or transferred to another buyer. becu mortgage rates This is the second consecutive increase since February while new home sales were 278,000. becu mortgage rates

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Becu mortgage rates To be eligible for assistance, applicants must have lost income due to involuntary unemployment, underemployment, or medical. becu mortgage rates If your mortgage cost you were $ 4,700, and your monthly payments were $ 100, should be 47 months before you break even. becu mortgage rates

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Becu Mortgage Rates

Becu mortgage rates Follow these simple tips to alleviate stress in your mortgage process: The biggest mistake people make when applying for a mortgage is not knowing that their credit rating. becu mortgage rates People who are on the market for a new home and a mortgage or refinance their mortgages often hear terms like pre-qualified and pre-approved kicking around. becu mortgage rates

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Becu mortgage rates Choose someone to help you in the process of obtaining a mortgage should involve trust and a certain level of comfort. becu mortgage rates People wanted to buy properties, they were expected to continue to increase in value and many people have suffered since everything has changed as a result of the credit crunch. becu mortgage rates

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Becu Home Mortgage – Online Mortgage Refinancing #refinance #my #mortgage


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Becu home mortgage Factors refinancing loans are similar to the factors for a loan first time, as the rate being dependent on the amount and duration of the loan. 2) People facing closure fail to take the lenders to help: – According to statistics Press Gannett reveal that nearly 2,80,000 owners in the United States, who lost at home the lat year half of them have never talked to their lenders.

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This makes it difficult for many public to qualify for the financing they need using a mortgage investor day. In addition, the new improved credit scores can help you negotiate much lower rate of interest for a mortgage refinancing lender that provides suitable conditions favorable for a bad solution refinance mortgage.

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First, create sure that you are fully aware of the status of your current credit information and current credit rating. Your home is a great resource if you want to earn extra money for better financial or personal reasons.


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Becu Mortgage Rates

Becu mortgage rates Follow these simple tips to alleviate stress in your mortgage process: The biggest mistake people make when applying for a mortgage is not knowing that their credit rating. becu mortgage rates People who are on the market for a new home and a mortgage or refinance their mortgages often hear terms like pre-qualified and pre-approved kicking around. becu mortgage rates

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Becu mortgage rates Choose someone to help you in the process of obtaining a mortgage should involve trust and a certain level of comfort. becu mortgage rates People wanted to buy properties, they were expected to continue to increase in value and many people have suffered since everything has changed as a result of the credit crunch. becu mortgage rates

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Becu mortgage rates You can avoid surprises and inaccuracies, because once the lender pulls their credit report, that s pretty much it. becu mortgage rates Under mortgages, interest rates, closing costs, fees princeps, the down payment, insurance, and other issues that must be considered through to make informed decisions. becu mortgage rates


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Becu Mortgage Rates

Becu mortgage rates These copies are gone from state to state and other banks or investors in any electronic device such as fax, email, or other means? Yes, they were, every time your security instrument was assigned, sold or transferred to another buyer. becu mortgage rates This is the second consecutive increase since February while new home sales were 278,000. becu mortgage rates

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Becu mortgage rates To be eligible for assistance, applicants must have lost income due to involuntary unemployment, underemployment, or medical. becu mortgage rates If your mortgage cost you were $ 4,700, and your monthly payments were $ 100, should be 47 months before you break even. becu mortgage rates

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Becu mortgage rates VA loans are dispersed to veterans who meet certain requirements, service members are currently active, some reservists, spouses of military service members who died as a result of service and members of the Public Health Service. becu mortgage rates One thing to remember when looking at the best mortgage rates today is that it is the rate for people with high credit ratings. becu mortgage rates


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Where to Start

Information For First-Timers

Buying your first home can be exciting and stressful. The more you know about the home buying process, the more confident you’ll feel when making the important decisions. Some steps, like prequalifying for a loan, can help the process go smoothly.

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Becu Mortgage Rates

Becu mortgage rates Follow these simple tips to alleviate stress in your mortgage process: The biggest mistake people make when applying for a mortgage is not knowing that their credit rating. becu mortgage rates People who are on the market for a new home and a mortgage or refinance their mortgages often hear terms like pre-qualified and pre-approved kicking around. becu mortgage rates

becu mortgage rates

Becu mortgage rates Choose someone to help you in the process of obtaining a mortgage should involve trust and a certain level of comfort. becu mortgage rates People wanted to buy properties, they were expected to continue to increase in value and many people have suffered since everything has changed as a result of the credit crunch. becu mortgage rates

becu mortgage rates

becu mortgage rates

Becu mortgage rates You can avoid surprises and inaccuracies, because once the lender pulls their credit report, that s pretty much it. becu mortgage rates Under mortgages, interest rates, closing costs, fees princeps, the down payment, insurance, and other issues that must be considered through to make informed decisions. becu mortgage rates


Becu Mortgage Rates: Refinance Help Online #loan #calculator #home


#becu mortgage rates

#

Becu Mortgage Rates

Becu mortgage rates These copies are gone from state to state and other banks or investors in any electronic device such as fax, email, or other means? Yes, they were, every time your security instrument was assigned, sold or transferred to another buyer. becu mortgage rates This is the second consecutive increase since February while new home sales were 278,000. becu mortgage rates

becu mortgage rates

Becu mortgage rates To be eligible for assistance, applicants must have lost income due to involuntary unemployment, underemployment, or medical. becu mortgage rates If your mortgage cost you were $ 4,700, and your monthly payments were $ 100, should be 47 months before you break even. becu mortgage rates

becu mortgage rates

becu mortgage rates

Becu mortgage rates VA loans are dispersed to veterans who meet certain requirements, service members are currently active, some reservists, spouses of military service members who died as a result of service and members of the Public Health Service. becu mortgage rates One thing to remember when looking at the best mortgage rates today is that it is the rate for people with high credit ratings. becu mortgage rates


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BECU offers vehicle loans in addition to calculators to help determine what the payment will be every month, how much the applicant can afford, loan comparison, and view which type of loan is best. After figuring the right situation for which the applicant qualifies they should submit their personal information, along with the vehicle information, to apply for an auto loan on the BECU website. by calling 1(800) 233-2328, or by going to a branch location .

Auto Rates

The BECU auto loan rates may be figured out by going to This Page and viewing the rates on the left-side of the page.

Sample BECU Auto Rates

Auto Loan Calculators

Enter the following information in order to compare different types of vehicles and their rates at which BECU will loan funds:

  • Zip Code
  • Vehicle Type Automobile, Boat, Recreational Vehicle
  • Type of Loan New, Used, or Refinance
  • Price of Vehicle
  • Down Payment Amount
  • Credit Rating Latest that you are aware

Click on the Continue button and you will be given the rate of interest.

This type allows a user to see how much they may be able to pay for a vehicle based on their income and the type of loan they would like to make. The user must enter the following;

  • Monthly Payment The amount they would like to spend every month towards the auto.
  • Down Payment How much would the person like to pay at closing.
  • Interest Rate Use the default number for best results.
  • Loan Term Choose from 36, 48, 60, 72, or 84 months.
  • Zip Code
  • Make If specific enter but if you have just started your car buying experience use the default of All .

If a user would like to compare loans and play with the number they may use this calculator to see how much their loan amount would be if they change the following variables;

  • Down payment
  • Purchase Price
  • Loan Term (months)
  • Interest Rate (as a percentage)
  • Your Savings Interest Rate (if any)
  • Your State Federal Tax Rates (if any)

After entering the details of the two (2) loans the user may compare using the tools such as viewing

This is the most simple of the tools which allows a person to enter generic factors that come into effect when creating a loan in order to get their monthly amount such as;

  • Purchase Price
  • Cash Rebate (if any )
  • Value of Trade-in
  • Amount Owed on Trade-in
  • Down Payment
  • Loan Term
  • Interest Rate

Click the red button that says Get Your Results and the payment will be calculated and presented to you.

How to Apply

To apply for an auto loan online the applicant must;

Step 2 At this point you will be asked to either login to your account or register as a new user and apply for the vehicle loan. When applying it will be a four (4) part process; Personal Information, Account Services, Fund Account, Confirmation.

Auto Loan Application Steps

Step 3 When filling out the application the following questions will be asked;

  • Eligibility Information
  • First Name
  • Last Name
  • Date of Birth (DOB)
  • Social Security Number (SSN)
  • Physical Address
  • Zip Code, City, State
  • Primary Phone
  • E-Mail Address
  • Photo Identification
    • ID Number
    • Issue Date
    • Expiration Date
    • Issue State

After this is complete click on the Continue button on the bottom of the webpage.

Primary Applicant Information