Recent content by MidnightSwinga

What is the name of your state? Michigan Last Monday we were to close on the sale of our condo and then close on the purchase of our home. 2 Hours before closing we get a call from our Realtor that the couple purchasing our condo was not able to get fiananced. Througout the whole process our...

No they wouldn't

Another hint, you can get your TransUnion score for free through their website if you've been denied credit or a job within the last 30 days. You simply indicated that you were denied and by who and they'll give you your report online. The nice thing is they don't verify this. I've put down I...

If you simply had him added as a user of your credit cards and did not apply for credit with his name as well, you are correct, he would be what's refered to as an Authorized User. The CC companies will still report the account activity on his reports however. What we did before we filed was...

I believe 2 of the 3 Credit Bureaus have just settled a huge class action law suit and have agreed to stop reporting BK's on co-account holders reports. I'm not too familiar with this, but someone has posted about this before. The cases were just settled weeks ago so it might be too soon right...

Correct me if I'm wrong, but this is a Bankruptcy message board? Hence Ladynred's answer to the posters question was right on the mark. Had she asked "Do I have an moral obligation to pay this money back" I'm sure this would have generated a much different response.

I can recommend a great attorney for you. He is located in Grand Rapids however. Not sure if that's an option. Let me know

Yes, the FICO scoring can be a mystery. My scores were in the 530's before I filed. 1 week after my CH 7 discharge I had a FICO score of 648. Make sure you try and dispute any inaccurate information in your credit report. If you're trying for a mortgage, time and a large downpayment will help!

Make sure you adjust your withholding for the future too if you filed a cH13

What I've been told is not to expect prime rates after filing for a Chapter 7 for at least 2 years post discharge. Of course that could vary depending on the state of your credit and other factors.

Bankruptcy will do the same thing too! :)

Jenny, not to flame you, but please don't blast the process when it appears that it was you who did not do your homework. It's easy to blame other people, but we are the ones who are ulitmatly responsible for the course of actions we take. There is TONS of free information available to anyone...

Thanks for posting that. Looks like Experian just needs to sign on now

It really depends. I've read posts from people where the trustees came after their refund and others who did not. Depends on how much room you have left under your exemptions. Just to be safe, I waited until I got my discharge and then filed. Also, you may want to contact your attorney as he'll...

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