Foreclosuresurvivor's Blog

Surviving Foreclosure

HR 3149 Aims to end the use of Credit Reports in Hiring

HR 3149 Aims to end the use of Credit Reports in Hiring.

NAACP endorses this Bill – H.R. 3149


December 20, 2009 Posted by | Rebuilding Credit after Foreclosure | Leave a comment

Acting Chairman Stuart J. Ishimaru

Acting Chairman Stuart J. Ishimaru.

December 14, 2009 Posted by | Rebuilding Credit after Foreclosure, Unemployment | Leave a comment

How To Get A Foreclosure Off A Credit Report

How To Get A Foreclosure Off A Credit Report
Posted on Nov 24, 2009 in Career & Finance

Foreclosures have a very negative effect on your credit report as said by Fair Isaac Corporation (FICO) this will not allow you to purchase a new home. Depending on state every state has different laws for foreclosure, but foreclosure can stay on your credit report for minimum seven to ten years. Most money lenders avoid financing to someone who had a foreclosure. There is a time limit on how long it can be reported get it off easily with the following steps.

Step 1

Verify your foreclosure information carefully. There is no-obligation report required for three credit bureaus annually. Request for your credit report and verify all the information carefully. Many times creditors keep reporting foreclosures after the time limit. Write letters to the credit and credit bureaus to come up from the situation. You should hold current accounts for other mortgage payments.

Step 2

Note the errors if any in the foreclosure list of your credit reports. Usually banks make mistakes in the foreclosure how to get a foreclosure off your credit reportprocedure when the economy is slowdown and banks are over loaded with paper work. They make mistakes with amount, date, payment history etc. Check out with all your details like address, date of birth and social security number.

Step 3

Report the errors if any, write letter to the mortgage company and the credit bureaus. They have to respond within 90 days. Dispute one error at a time, you can save other errors in case your first dispute gets rejected. You can also file dispute with three major credit bureaus separately. The information in foreclosures is verified closely so they may be difficult to remove but possible with little efforts.

Step 4

Follow the process if your first error is denied by the credit bureau they will investigate your allegations if bank is unable to verify the information they will remove the foreclosure. If the error is removed you will be informed and the credit bureaus will also inform if the dispute is not successful.

Step 5

If still there is foreclosure on your credit report then you have to wait for seven to ten years depends upon the rules and regulations of your state. Or wait for sometime for the legal proceedings for removal of foreclosures from your credit reports. You can also look out for reputed Credit Repair Company to remove your foreclosure off from your credit report. It will be easier if the foreclosure is of long time. Manage your current accounts and make payments on time. Foreclosure Fish maintains its influence in case you are unable to remove your foreclosure. Your score can rebound automatically within two years. Credit Repair Companies also have different methodologies for removing foreclosures from credit reports. They use Fair Credit Reporting Act laws to solve the disputes. Creditors also follow these laws but many creditors do not have all the verification necessary to comply with laws, because they usually sale debt to another company and do not transfer the information correctly.

December 9, 2009 Posted by | Rebuilding Credit after Foreclosure | Leave a comment

H.R. 3149

Equal Employment Bill

“To amend the Fair Credit Reporting Act to prohibit the use of consumer credit checks against prospective and current employees for the purposes of making adverse employment decisions.”

December 3, 2009 Posted by | Rebuilding Credit after Foreclosure | 1 Comment

Getting a government job with bad credit?

Can I get a government job with bad credit? 

I mean I can see a problem with getting a position that requires a high level security clearance but as a paralegal???

October 16, 2009 Posted by | Rebuilding Credit after Foreclosure | Leave a comment

Repairing my Credit Report

I’ve enrolled with Lexington Law for credit repair work.  Years ago I used Credit Attorney.  Yes, I can do it myself but it helps to have a company using letterhead and attorney signatures.  Doing it yourself is very time consuming and tedious.

Besides having a foreclosure on my credit report, I have other things I want to have corrected.  I’m also working on settling a few matters on my report.  It’s a long tedious process. Even when you pay something off, sometimes it’s a pain to have it removed or to have the debtor indicate it’s been paid.

I’m trying to work on being able to get a job in the government or any full time job.

October 16, 2009 Posted by | Rebuilding Credit after Foreclosure | Leave a comment


I’m working through a “temp” company for $25.00 per hour.  That’s not too bad.  Temp companies don’t run credit checks most of the time.   I’ve been assigned to a long term assignment.   I’ve been contracting at this assignment for about 1 year.   I’m fortunate.  However, most holidays are not paid and I have very limited leave.   The health insurance is too expensive so I’m still using my husband’s (we’re separated) health insurance.  Obviously, contracting is not a stable full-time job.  It’s “temporary.”    The hours are flexible.  There isn’t a lot of stress.   I always work. 

I’m an English major.  I also have a Paralegal Certificate.  (I started my Master’s but can’t seem to finish it.) I’ve worked many long hours as a Paralegal.  Eventually I became a Paralegal Manager.   I  lost my job making $92,000 a year as a Paralegal Manager in a small law firm.  It all started in the Summer of 2007.   I was working as a Litigation Coordinator at a law firm in DC making $87,000 per year.  (I loved that job.)  It was a satellite office. 

One morning we were pulled into a conference room and told by management the main office decided to close the entire DC office in 2 months laying off everyone.  I didn’t panic.  Due to my hard work,  I was offered 2 positions.  However, when I started the new position, there was NO work and yet I was paid a relatively large salary.   The country was in a Recession yet we were told we weren’t for a long time.  Remember that?  I quickly realized there wasn’t a need for me.  You could cut through the tension in the office with a knife.  The country was about go into a financial black hole and I didn’t know it.  First they unjustifiably reduced the paralegal staff and then there was the problem of what to do with me.  They decided to push me out.   See law firm employees don’t have unions.  It’s not like a factory where there are mass lay offs.  It was a small firm where they can do as they please.   It’s way more advantageous to fire someone or gently ask you to go than lay you off.  There’s a risk of a law suit but they know you don’t want to be “black balled” as a problem in your industry.  DC is a small city.  Essentially I was pushed out.   It was one of the most stressful moments of my life. 

I thought with my education and work experience, I would get another job easily.  The problem was there weren’t any jobs at all.  I’ll never forget being told by a temp representative, “there aren’t any jobs.”   I was unemployed for about 8 weeks.  I couldn’t request unemployment benefits because technically I resigned.   During that time, I got behind on all my bills including my mortgage.   NO, Wilshire was NOT willing to “work with me” to modify my loan.    Besides, my home was worth MUCH less than what I purchased it for in 2006 anyway.   They foreclosed on my home in January 2009. 

My husband left us.  My daughters and I became homeless.  Have you heard of the Middle Class trap?  Well, even homeless I don’t qualify for ANY government run assistance for child care, housing, food stamps, etc. I’m rich because I’m temping!? 

 We now reside in my parents’ basement.   We are thankful.

I know I’m not alone.  For the rest of my life, I will always remember the family murder suicides that occurred on a regular basis in 2007-2009.  We’re fortunate.  We’re healthy.  I can work. We have food and shelter.   Like I said, we are fortunate.

Now I’m fighting to get a stable job and get back on track financially.

October 15, 2009 Posted by | Rebuilding Credit after Foreclosure | Leave a comment


I’m a hard working, college educated single parent Mom who is surviving foreclosure of my home in Maryland (like millions of other Americans) due to predatory lending and fraudulent bank tactics.   This site is set up to aid all of us to survive foreclosure.  Sharing ideas and solutions is powerful in getting back on track financially and emotionally.  Venting is important too.  This is how we move on.  I know I’m not alone.  Just think, every 7 minutes an American home is foreclosed.  Even when this stops, how do you get a job with foreclose on your credit report for the next 7 years?  Where do you live with bad credit and no money?  These along with many other issues are not being addressed.  We have to address them.  We have to take back our lives.

October 15, 2009 Posted by | Rebuilding Credit after Foreclosure | Leave a comment

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October 15, 2009 Posted by | Rebuilding Credit after Foreclosure | Leave a comment