Hello Everyone,

While you are reviewing your clients credit reports, there are some automatic violations that you need to look for. These violations will get escalated to an attorney, that will represent your client at zero out of pocket cost.

Bankruptcy:

Any creditor that was included in a bankruptcy that is still reporting a balance, post bankruptcy, is an automatic violation – Send them over.

Mixed Files

Any client that has multiple social security numbers on their credit report, names, addresses, etc (especially Jr’s, Sr’s, I, II, III, IIII, etc) Please send them over as their credit report could be mixed with another individual – Send them over

Payment Plans

Any client currently on a payment plan, making their monthly payments and the creditors are not updating the balance, This is an automatic violation – Send them over

Settlement Agreements

Any client that makes a settlement agreement and has written proof of the settlement agreement and the balance isn’t reduced to the agreed upon balance on the credit report, this is an automatic violation – Send them Over

Identity Theft

Any client with identity theft – send them over

I will need the following information:

Credit Report

Client Name

Client Phone Number

Email Address

Please forward to: ali@ficodiva.com

Start Hunting!!

Have you closed a loan on clients that have 4 charge off’s or more? Start getting them ready to refinance their home now! Here’s the criteria:

1. Must have 4 charge off’s or more

2. Must Live in California

3. Post BK Charge Off’s Count as well

Send them over and let us start working on their credit now so when the rates decide to take a turn for the better, your client will be ready to refinance!

This is a special program that is only available to California residents.

Let’s Do This Cali!