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    Aldiva

    Member
    February 27, 2024 at 2:16 am in reply to: Where are my California LO’s At!!!

    Ofcourse I know that, however, I have a source to remove these charge offs without cost to the Client. A charge off still impacts the score….. This is for people you already financed and want to improve their scores to refinance…..

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    Aldiva

    Member
    February 16, 2024 at 7:16 pm in reply to: Why Do Mortgage Lenders Ask Borrowers For a CPA Letter

    Aldiva Inc

    559-245-1245

    aldivainc@outlook.com

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    Aldiva

    Member
    February 15, 2024 at 8:32 pm in reply to: Why Do Mortgage Lenders Ask Borrowers For a CPA Letter

    HI Everyone,

    Yes, any CPA can write a letter and a Third Party Certified Tax Preparer can indeed certify the letters. This is not a free service as the CPA and/or Tax Preparer is putting their name on the certificate. In addition, they can create a P & L if needed.

    Hope this helps!

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    Aldiva

    Member
    December 13, 2023 at 4:46 am in reply to: Credit Repair Companies

    Hi Lisa,

    Recovery Credit Repair is a reputable credit repair. We are a Tri-Lingual company that speaks Spanish and Portuguese. We also specialize in ITIN Credit Repair. Would love to connect with you. http://www.ficodiva.com

    Have a great evening!

    Ali

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    Aldiva

    Member
    November 22, 2023 at 3:41 pm in reply to: What is the statute of limitations on collection accounts for a mortgage

    It Depends on the state your client is in. Here is the Statues of Limitations for all 50 states:

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    Aldiva

    Member
    November 21, 2023 at 3:43 pm in reply to: Credit Card Limit Decrease

    Yes, it is legal for credit card companies to lower your credit limit. The question I have is:

    1. Is the client maxed out on other cards

    2. Has the client changed their spending habits? Meaning they used to shop at Walmart and now shop at the dollar store for example….

    Your creditors do frequent soft pulls on your credit without your knowledge. They look for changes in behavior. They look for signs of financial distress. When they see any changes in behavior, they tend to drop your credit limit to you current balance, causing you to max out their card, drop your credit scores, and now make it more difficult for you to qualify for additional credit.

    This is part of their terms and conditions when you accept use of their credit card.

    Hope this helps 🙂

    Have a great day!

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