Teresa D asked:


We have 2 medical-related judgements and one from a credit card on our credit report. We spoke to a lender about buying a home and he said every mortgage companay would deny us because the people who have the judgements against us would put a lein on the property until they were paid. Is that true?

ETHAN

gdroot1961 asked:


I file bankruptcy 2 years ago. I reaffirmed my house then decided I could not afford it. I had two mortgages and we moved out and told bank to foreclose. They sold house and I was told that they could not collect anything owed because of the state laws where I live and that I had filed bankruptcy. Now my credit report shows the bankruptcy but not the foreclosure. So I am wandering if somehow the foreclosure will show up somewhere once I try to get another home loan?

EMILIO

hopeful77 asked:


My mortgagecompany issued me a moratorium for 4months (postponed payments)due to hurricane Wilma. This Hurricane displaced us for a couple of months and caused an extreme Financial hardship. The mortgage company(Wells Fargo Home mortgage) has on their records that they will not report any late payments and/or there will be no negative credit reporting.However, after i sent the payments and checked my credit report they indeed reported 120 days late payments to the major credit bureaus. When i talk to the represenatives they indeed see the notes about not repoting late to the credit bureau and even waived every late charge,but are adamant about not removing the negative reporting. I was a loyal consumer and my lateness was due to “acts of Nature” beyond my control. Initially the moratorium helped our family, but in the end it has really hurt my credit worthiness. I am having difficulty securing another home loan (sold previous property)because of the negative reporting. What can I do?

EMANUEL

hopeful77 asked:


My mortgagecompany issued me a moratorium for 4months (postponed payments)due to hurricane Wilma. This Hurricane displaced us for a couple of months and caused an extreme Financial hardship. The mortgage company(Wells Fargo Home mortgage) has on their records that they will not report any late payments and/or there will be no negative credit reporting.However, after i sent the payments and checked my credit report they indeed reported 120 days late payments to the major credit bureaus. When i talk to the represenatives they indeed see the notes about not reporting late to the credit bureau and even waived every late charge,but are adamant about not removing the negative reporting. I was a loyal consumer and my lateness was due to “acts of Nature” beyond my control. Initially the moratorium helped our family, but in the end it has really hurt my credit worthiness. I am having difficulty securing another home loan (sold previous property)because of the negative reporting. What can I do?

ROBBIE