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Credit Problems and Repair

My Credit restoration testimony

Posted on: 03rd Jun, 2023 01:10 pm
Thanks for the comment, I have a great testimony, My credit score is 840 now, I finally got approved for a credit card, I have 2 kids and needed my own house as well as a car , I could not get approved for a loan based off my credit. I needed the increase FAST ! I didn’t have much in my name, I had 2 student loans, one paid off half way, one does not start payments for 6 months.. I had one bank account that went to collections for identity theft. I had 8 hard credits from past and present I didn’t know where to turn and I needed HELP, After a lot of hard times of being in debt and can not get my house back, I could not get any done, I found it so hard to make life for myself, I tried to get loans from different companies but they could not grant me any because of my low credit score, everything was going sour till I met a computer expert who helped me increased my credit score and clear the debt on my bank account, he improved my credit score and aIso clear my credit debt,I want to thank SWIFTHACKGENIUS ( for restoring my credit score to better, He helped me removed all the negative items on my credit and the charge offs, He also did a tremendous job my removing my identity theft bad record, He literally made a great transformation in my life. I will always recommend him. You can get in touch with him and he will be ready to assist You.

Ill Father

Posted on: 23rd Apr, 2014 10:23 pm
My father's case was dismissed because he is ill and I could get the rest of the papers filed in time. Can I re-file and still have protection from creditors?
My father's case was dismissed because is ill and I could not get the rest of the papers filed on time. Can I re-file and still have protection from creditiors
Posted on: 23rd Apr, 2014 10:27 pm

debit entries in credit report

Posted on: 21st Apr, 2014 02:54 pm
How long will take for the a mortgage company to post an entry after reinstating a property that is in active foreclosure. I live in florida
It varies by bank - it could take a while as many are slow about setting things straight

Let us know if there is anything else we can help with
Brian Barnes
ENG Lending
Nationwide Lender
Posted on: 23rd Apr, 2014 08:08 am

Traffic tickets

Posted on: 07th Mar, 2014 05:42 am
My wife cosigned for a car loan for our son in indiana. Our son passed away in jan 14. Is my wife liable for parking ticket fines accumulated while our son had the car?
Yes..after your son's death, the whole responsibility of that car belongs to your well as the accumulated parking ticket fines. So, she will have to pay them.
Posted on: 11th Mar, 2014 04:09 am


Posted on: 03rd Mar, 2014 03:25 pm
i own a home after forclosure and chapter 7
bought with hard money loan now trying to refinance

is there any co. that can help me ?
1 .5 years from bk and 2years from forclosure
Your only hope is the FHA Back to work program - to be eligible you would need to document that the cause of the BK and foreclosure was a loss of income to one of the main bread winners. If that cannot be done you are looking at a wait of 3 years after foreclosure and 2 years post BK before being eligible - what was the cause of the foreclosure and BK?
Posted on: 04th Mar, 2014 09:29 am

Mortgage Payment Reporting

Posted on: 13th Feb, 2014 04:52 am
I filed Chapter 13 nearly 5 years ago and am nearing the end of my repayment plan. My mortgage payment was never late prior to the BR filing and has never been late during the course of repayment. However, I recently discovered that my mortgage company hasn't been reporting my on time payments. This is concerning to me because I feel I need all the help I can get to re-establish good credit and reporting my on time payments would really help. Is my mortgage company's failure to report a typical practice?
Was the home included in the BK - if it was then this may be why they have stopped reporting - I would contact them to see why and if they will change their practice for you.
Good Luck
Brian Barnes
ENG Lending
Nationwide Lender
Posted on: 13th Feb, 2014 10:30 am
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Posted on: 17th Feb, 2014 08:12 am

Cosigner for home loan

Posted on: 27th Jan, 2014 01:28 am
What kind of credit does a co-signer needs to have in case he or she is co-signing for a home?
The credit of the co-signer should be quite good in order to get qualified for a co-signer. It should be in the range of 700 or more.
Posted on: 27th Jan, 2014 03:15 am
It really depends on the loan program and bank - if FHA or VA maybe as low as 620 - for conventional the higher the better - keep in mind their ggood credit will not help you if you have poor credit - eliibility is based on the lowest middle score of all borrrowers.
Good Luck
Brian Barnes
ENG Lending
Nationwide Lender
Posted on: 27th Jan, 2014 09:08 am
A co-signer needs to have good credit score say 700 or more than that when he is co-signing for a home loan. Only then he will be able to become the co-signer for the loan.
Posted on: 28th Jan, 2014 02:36 am
There is at least one lender who does not care what the credit score or credit history is for a Non-occupant co-borrower for an FHA mortgage.
So, if an FHA mortgage covers what you want to purchase, you could use that lender.
Of course, you do not know who that is. Contact me if you want to know who that is or tell me in what state you will be purchasing and I will hook you up with a lender.
Posted on: 29th Jan, 2014 11:26 am

Building credit score

Posted on: 19th Jan, 2014 11:54 pm
We are willing to go for owner financing but buyer will have to improve his credit score. How can we help them in building their credit score?
You can ask the buyer to pay off their bills on time, dispute and remove the negative items from their credit report, take out some new credit with the help of secured credit cards, etc. in order to improve their credit scores.
Posted on: 20th Jan, 2014 12:51 am
Do you know and can you tell us what the Buyer's credit score is now?

I ask only because the score may be OK for a mortgage now.

Any advice we might give to improve credit scores is somehwhat dependent upon whether they are simply new to history and do not have any credit history or whether they have bad credit scores due to bankruptcies, charge-offs etc.
Posted on: 20th Jan, 2014 10:49 am

Get loan with 510 credit loan

Posted on: 09th Jan, 2014 12:24 am
Are there lenders who will be willing to loan money to borrowers with 510 credit score?
Hi Kenny,

I do not think there are any lenders who will be willing to loan money to borrowers with such low credit scores. After the real estate crisis, the lenders have become quite particular regarding credit scores.

Take care
Posted on: 09th Jan, 2014 01:00 am
Well, you will hardly find any lender who will want to provide money to the borrowers who have 510 as their credit score. However, there may be very few lenders for it. In that case, the lender will charge exorbitantly high interest rate on the loan.
Posted on: 09th Jan, 2014 01:12 am
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