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im trying to fix and up my credit score i just started using emmidate credit solutions but im in foreclosure and need help now

by stalneckerjim521 from Dover, New Hampshire. Dec 12th 2014 Reply


Michelle Curtis Loan Originator NMLS 401173 (MichelleCurtisLO)
#77 ranked lender in Florida - 2,245 contributions

Most likely need to speak with a real estate attorney to find out your options. Unless you are 62 or older and have equity in your home, don't think there are any refinance options for you.Sorry, good luck

Dec 12th 2014
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You need to get out of foreclosuretry to work things out with the bank If you are still employed and can make the new payments then it can be worked out If you are lacking income You will need to start over after the foreclosure If it is due to loss of income by more than 20% You can get financed again after 12 months of good credit and on track with your job

Dec 12th 2014
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Bert Carpenter (BertCarpenter)
#37 ranked lender in Arizona - 2,431 contributions

If you are currently in foreclosure, cleaning up your credit is the least of your worries. Getting your mortgage current to stop the foreclosure is what you should be focusing on. Once your mortgage is current, the foreclosure process stops and then you can begin working on improving your credit. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ Licensed in Arizona (AZLO0911876 / AZBK0902429), Washington (WALO40586 / WACL3087) and California (CADOC40586 / CAFLL6036566). We are licensed by the CA-DBO under the CFLL and CRMLA. Loans made or arranged pursuant to CFLL or CRMLA license. ~ www.LoansA2z.com ~ 888-889-9950

Dec 12th 2014
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Dave Metsker (DaveMetsker)
#35 ranked lender in Oregon - 2,318 contributions

You may need to consider chapter 13 bankruptcy, in order to save your home.

Dec 12th 2014
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Sara Deere (Mortgagequeen2)
#15 ranked lender in Missouri - 608 contributions

I agree with Bert and Dave answers listed below. You need to find a way to stop the foreclosure as quick as possible.

Dec 12th 2014
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Jericho Cherry (Jerichocherry)
#54 ranked lender in Virginia - 1,107 contributions

As the others said, you need to deal with the foreclosure first.

Dec 12th 2014
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Linda Wintersteen (Linda123)
#63 ranked lender in Arizona - 1,256 contributions

I do have one person that I can refer you to, that works with the banks to save your home email at yourloanpartnerforlife@live.com

Dec 12th 2014
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Christina Hayes (CreditRepairExpert)
#8 ranked lender in Tennessee - 68 contributions

Credit Restoration is a lengthy process, can go from as little as 3 months to a year, based on the damage needing to be repaired. As far as a credit restoration company keeping you in your home, you will need to find a company who specializes in foreclosures. Many attorneys, or RE agents have built their business around foreclosures. Many of these companies file Stays with the courthouse to buy you time, while they negotiate with the lender. I wish you the best of luck, I understand how emotional the process of losing your home is. I own and operate a credit restoration company too, thus hope you get your credit where you'd like it.

Feb 20th 2015
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