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In my personal
credit report with Experian, it does not show code M-8. But when I tried to refinance my primary residence, the local bank had one
credit company called CorelLogic to run our
credit report and it shows M-8 code on my
credit report through Experian.
Question: The value of my home has gone way down and is now worth less than what I owe. A friend is recommending I do a short sale saying it won't hurt my
credit score as much as a foreclosure.
CREDIT REPORT CODES and DEFINITIONS ECOA INQUIRY AND ACCOUNT DESIGNATORS A = Authorized user of shared account. Does not have responsibility for the account.
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After SS: Correct
M-9 Credit Repairing Erroneous Short Sale
Credit to Enable a Purchase After a Short Sale. Short sellers who have already incurred late pays prior to the short sale, are past the 2 year wait timeframe needed to obtain another mortgage after a shortsale, CAN downgrade the
M-9 ...
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Credit Report - code
9 dispute I had a 2nd loan on a mortgage that I settled for 10%. I was able to do this cause it was underwater and I was not in any danger of defaulting. As well I was never...
Hi Marty, Great post but you're missing something very important. The
credit bureaus have a code associated with every account or trade line on a
credit report and what they're doing in a lot of cases is reporting short sales as an
M9 code which means foreclosure.
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If the HELOC isnt paid off...and goes through foreclosure proceedings then you will receive a R-9 on your
credit report. R is for revolving accounts...and
9 is the highest delinquency.
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Credit Reports and a glossery of consumer
credit reporting codes, terms and abbreviations
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