Columbus OH – I mentioned in the last note that you’ll need to keep a
file of records about your credit restoration process.
This is an important part of the process, and deserves a
bit more than a brief mention.
Click here to discover how other sellers successfully did a short sale and avoided foreclosure. http://columbusohshortsaleadvisors.com/
The credit reporting companies have 30 days (by law), to investigate and
handle the disputes submitted to them. This is why you submitted
everything through certified mail.
That enables you to record the time firmly for the credit reporting
firms to respond within. But it’s more than that. This file will become
important for a long time for you.
Many people successfully removed items from their credit
reports. Later on they found those same items show back up on their
credit report months in the future! Having a record of
your efforts and the results is needed to keep your record blemish free
in the future.
Make your records easy to follow. You will need to keep the original
copy of your credit reports here, as well as the copies where you’ve made
notes and comments.
Keep copies of the letters you send to the
credit reporting companies. Keep the Certified Mail slips. File any
correspondence that the credit reporting companies send to you.
Keep a journal in your file of any
telephone conversations you have with any of the creditors or credit
reporting companies. Record in this journal the names, dates, times, and
notes of these phone calls.
In addition, have a method to remind yourself of “action step dates” –
those dates where you expect to have a certain action done by the credit
reporting firms.
This can be a calendar you keep on the front of the file, or use Outlook’s calendar feature, or your calendar app on your phone.
This may seem like your credit report has become your new part time job,
but with a little bit of organization and perseverance, it will be
worth it! Thinking about a short sale?
I can help you short sale your property and get back on your feet. Send me an e-mail at robin.lemmons@kingthompson.com. I will contact you for a free consultation.
When we talk, I will explain how the process works in detail and answer
any questions you may have. Or, if you prefer, you can call me at 614-741-2495.
Discover how other sellers successfully completed a short sale and request a free consultation by clicking here. http://columbusohshortsaleadvisors.com/
Thinking about a loan modification? Our Columbus loan modification kit
has the instructions you will need to get a loan modification approved
with your bank. Click here to request a copy. http://columbusohshortsaleadvisors.com/
Thanks for reading this, Robin Lemmons.
Rick & Robin Lemmons is a Real Estate Team at Coldwell Banker King Thompson.
Phone: 614-741-2495
Email: robin.lemmons@kingthompson.com
A Zest For The Best
View My homes for sale at www.rickandrobin.com.
Columbus Loan Modification Help, Columbus Short
Sales, Columbus Short Sale Realtor. Columbus Short Sale Realtor.
Columbus OH Short Sales. Columbus Realtor. Columbus OH Short Sales.
Columbus Realtor.
Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.
Important Notice
Rick & Robin Lemmons, Coldwell Banker King Thompson, and the Stop Foreclosure
Institute are not affiliated in any way, shape, or form with the
government. Our services have not been reviewed or endorsed by the
government or your lender. Most lenders willingly work with agents on
short sales. Why?
Because most short sales are beneficial to a lender. If you accept our
offer to help you on a short sale, your lender may not agree to a short
sale or to modify your loan. We do offer a loan modification kit.
However, the likelihood of negotiating a modification is like everything
else in life. It takes work and persistence to convince your lender to
modify your loan. No matter what you or we do, your lender may not
approve a loan modification.
We do not recommend that you stop paying your mortgage, because this
will cause damage to your credit and could cause you to lose your home.
Because we know avoiding foreclosure is so important to any homeowner,
we recommend that you speak with the appropriate legal or tax advisor
before making any decision.
This is not intended as legal, technical, or tax advice. Please speak
with a licensed professional before making any decision. Information is
deemed reliable but not guaranteed as of the date of writing.
You have the option to reject a short sale or loan modification from
your lender if it does not meet your approval. If you decide not to go
thru with the short sale, then you do not have to pay us our fee. We
normally make a real estate sales commission for helping you on a short
sale.
The views expressed here are Robin's personal views and do not reflect the views of Coldwell Banker King Thompson.
This information on Fixing Credit After A Columbus Short Sale Step 6:
Why It’s So Important To Document Everything is provided as a courtesy
to our viewers to help them make informed decisions.
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