Tag Archive for Certified Short Sale Negotiator

Chris B Johnson Realtor, Ventura County Short Sale Specialist, Certified REO Bank Owned Realtor

http://plus.google.com/+ChrisBJohnsonRealtor?a=97822-26df5ea08f8689012df0225866ae0bf1

¡Oigan, propietarios de casa ‘millennials’! Puede ser tiempo para vender  10 10UTC agosto 10UTC 2017  For Sellers, Millennials, Move-Up Buyers   Contrario a lo que muchos creen, los ‘Millennials’ no son la generación de ‘inquilinos’. Los ‘Millennials’ compraron el mayor porcentaje (34 %) de las 
08/16/2017
#TimeToSell #ChrisBJohnsonRealtor Your home is probably the biggest asset you own. This is why you should hire a professional to guide you through all your real estate transactions. My goal is to help 24 to 28 families each year either buy or sell a home. Contrary to what many believe, Millennial
08/16/2017
Las viviendas se están vendiendo rápidamente en todo el país  15 15UTC agosto 15UTC 2017  For Sellers, Housing Market Updates, Move-Up Buyers   La Asociación nacional de Realtors (NAR por sus siglas en inglés) recientemente publicó su último Informe de ventas de las casas ya existentes, el cual 
08/15/2017
#TimeToSell #ChrisBJohnsonRealtor Your home is probably the biggest asset you own. This is why you should hire a professional to guide you through all your real estate transactions. My goal is to help 24 to 28 families each year either buy or sell a home. Homes Are Selling Quickly Nationwide The 
08/15/2017
  Algunos aspectos destacados: ¿Pensando en mudarse a otro lado del país? ¿Qué tan lejos lo puede llevar su dinero? La mayoría de los estados en el medio oeste y el sur ofrecen un costo de vida más bajo en comparación con los estados del noreste y el oeste. El ‘mayor valor por su dinero’ viene d
08/11/2017
Weekly Mortgage Rate Update Low inflation and rising tensions with North Korea were good for mortgage rates this week, while strong labor market data was negative. The net effect was that mortgage rates ended the week a little lower, near the best levels of the year.THIS WEEK’S RATE TREND IS DOW
08/11/2017
#TimeToSell #ChrisBJohnsonRealtor Your home is probably the biggest asset you own. This is why you should hire a professional to guide you through all your real estate transactions. My goal is to help 24 to 28 families each year either buy or sell a home. I am NOT interested in Selling 100 or 200
08/10/2017
El inventario de la vivienda alcanza un mínimo de 30 años  09 09UTC agosto 09UTC 2017  For Sellers, Housing Market Updates   La primavera es tradicionalmente la temporada más ocupada de bienes raíces. Los compradores, experimentando agobio todo el invierno, emergen como flores a través de la nie
08/09/2017
#TimeToSell #ChrisBJohnsonRealtor Your home is probably the biggest asset you own. This is why you should hire a professional to guide you through all your real estate transactions. My goal is to help 24 to 28 families each year either buy or sell a home. Spring is traditionally the busiest seaso
08/09/2017
93.9% de las casas en U.S.A tienen plusvalía positiva  08 08UTC agosto 08UTC 2017  For Sellers, Move-Up Buyers   El último Equity Report de CoreLogic reveló que noventa y un mil propiedades residenciales recuperaron la plusvalía en el primer trimestre de 2017. El panorama para 2017 sigue siendo 
08/08/2017
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Moorpark Short Sale Specialist #TimeToSell #ChrisBJohnsonRealtor http://MoorparkShortSaleSpecialist.com

Wednesday, August 16, 2017

Ventura County Millennial Homeowners!! It May Be #TimeT

Ventura County Millennial Homeowners!! It May Be #TimeToSell #ChrisBJohnsonRealtor #TimeT: #TimeToSell #ChrisBJohnsonRealtor Number 1 Realtor in Moopark*, Top Five Realtor’s in Ventura County*, *AR Best Real Estate Agent, Luxury Home Specialist,

Tuesday, August 15, 2017

Ventura County Homes Are Selling Quickly #TimeToSell

Ventura County Homes Are Selling Quickly #TimeToSell: #TimeToSell #ChrisBJohnsonRealtor Your home is probably the biggest asset you own. This is why you should hire a professional to guide you through all your

Friday, August 11, 2017

#ChrisBJohnsonRealtor Weekly Mortgage Rate Update For V

#ChrisBJohnsonRealtor Weekly Mortgage Rate Update For Ventura County #TimeToSell #ChrisBJohnsonRealtor: Weekly Mortgage Rate Update Low inflation and rising tensions with North Korea were good for mortgage rates this week, while strong labor market data was n

Thursday, August 10, 2017

Zillow IS Your Competition, We give them all their Data

Zillow IS Your Competition, We give them all their Data #NOZillow: #TimeToSell #ChrisBJohnsonRealtor Your home is probably the biggest asset you own. This is why you should hire a professional to guide you through all your

Wednesday, August 9, 2017

Ventura County Housing Inventory Hits 30-Year Low #Time

Ventura County Housing Inventory Hits 30-Year Low #TimeToSell #ChrisBJohnsonRealtor: #TimeToSell #ChrisBJohnsonRealtor Your home is probably the biggest asset you own. This is why you should hire a professional to guide you through all your

Tuesday, August 8, 2017

95.8% Of Homes in Ventura County Have Positive Equity #

95.8% Of Homes in Ventura County Have Positive Equity#TimeToSell #ChrisBJohnsonRealtor 
Your home is probably the biggest asset you own. This is why you should hire a professional to guide
you through all your real estate transactions. My goal is to help 24 to 28 familieseach year either buy
or sell a home. #: CoreLogic’s latest Equity Report revealed that ninety-one thousand residential properties regained equity in Q1 2017. The outlook for 2017 remains positive

Monday, August 7, 2017

How Long Do Most Ventura County Families Stay in Their

How Long Do Most Ventura County Families Stay in Their: #TimeToSell #ChrisBJohnsonRealtor Your home is probably the biggest asset you own. This is why you should hire a professional to guide you through all you

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Moorpark Homes For Sale Moorpark Short Sale HELP!! #ChrisBJohnsonRealtor

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Moorpark Home Values and Pricing Trends #ChrisBJohnsonRealtor

Chris B Johnson, REALTOR®     Featured Listing   Time To Buy #ChrisBJohnsonRealtor

Moorpark Market Insider-What Is Selling and Why!

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Moorpark Short Sale Market Update #ChrisBJohnsonRealtor

Cat & Bird

Click The Links Below For HyperLocal Market Updates

Chris B Johnson, REALTOR®      Featured Listing

Mortgage Pre Approval  

 Time To Buy #ChrisBJohnsonRealtor     

Moorpark Home Market Trends             

  Moorpark Condo-TownHome Market Trends

Thousand Oaks Home Market Trends  

  Thousand Oaks Condo-TownHome Market Trends

Simi Valley Home Market Trends            Simi Valley Condo-TownHome Market Trends

WestLake Home Market Trends               WestLake Condo-TownHome Market Trends  

Oak Park Home Market Trends                Oak Park Condo-TownHome Market Trends

Agoura Home Market Trends                     Agoura Condo-TownHome Market Trends

Calabasas Home Market Trends               Calabasas Condo-TownHome Market Trends

Newbury Park Home Market Trends      Newbury Park Condo-TownHome Market Trends

Camarillo Home Market Trends                                Camarillo Condo-TownHome Market Trends

Oxnard Home Market Trends                    Oxnard Condo-TownHome Market Trends       

Port Hueneme Home Market Trends     Port Hueneme Condo TownHome Market Trends

Ventura Home Market Trends                   Ventura Condo-TownHome Market Trends

Santa Paula Home Market Trends            Santa Paula Condo townHome Market Trends  

Ojai Home Market Trends                           Ojai Condo TownHome Market Trends

Oak View Home Market Trends                Somis Home Market Trends

Fillmore Home Market Trends           Fillmore Condo-Townhome Market Trends                       

FannieMae Home Ready Loans               More on Ventura County Real Estate

Moorpark Market Activity-Belmont        Moorpark Short Sale Report  

Your Moorpark Neighborhood Specialists    ChrisHasYourBuyer.Info

Buying a Home This Fall      Selling Your Home This Fall     

Ventura County Trends                Ventura County Neighborhood Values  and Reports      

First Time Buyers        FannieMae Home Ready Loans        Your Equity Is On The Rise!

Should You Sell This Summer?                  Return Of The Housing Market J

Real Estate Market & Statistical Updates             SEARCH THE MLS FOR HOMES  

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Moorpark Real Estate Market Update #MoorparkShortSaleSpecialist

By Chris B Johnson Realtor,  Moorpark Short Sale , Thousand Oaks Short Sale,

Simi Valley Short Sale, Moorpark Short Sale  Ventura County Short Sale,

Moorpark Short Sale SpecialistChrisHasYourBuyer.Info                              

HARP or Conventional Re-Fi

Chris B Johnson, REALTOR®.                      

Your Moorpark Neighborhood Specialists

Moorpark Home Market Trends              

Moorpark Condo-TownHome Market Trends

Thousand Oaks Home Market Trends   

Thousand Oaks Condo-TownHome Market Trends

Simi Valley Home Market Trends           

Simi Valley Condo-TownHome Market Trends

WestLake Home Market Trends              

WestLake Condo-TownHome Market Trends

Camarillo Home Market Trends               

Camarillo Condo-TownHome Market Trends

Oxnard Home Market Trends                    Oxnard Condo-TownHome Market Trends

Ventura Home Market Trends                   Ventura Condo-TownHome Market Trends

Santa Paula Home Market Trends            Fillmore Home Market Trends

Somis Home Market Trends                       Moorpark Market Activity Report

CAR Real Estate Market Forecast 2015  Luxury Home Specialist

PluseEconomic Forecast                               Inflation                              Good To Know

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How To Fix Your Credit After A Moorpark Short Sale: Step 1

Choose Moorpark’s Top Listing Real Estate Agent with Prudential California Realty. Moorpark Certified Short Sale Specialist, Moorpark Short Sale Help, Certified Short Sale Negotiator, Stop Foreclosure Moorpark CA,  THE BEST REAL ESTATE AGENT SERVING MOORPARK CA,

Chris B. Johnson Realtor is real estate professional who Specializing in Short Sale and REO Transactions. Chris has been Certified as a California Association of Realtors HAFA Specialist, a National Association of Realtors Short Sale and Foreclosure Resource, Chris B Johnson Realtor is a Certified Distressed Property Expert, Certified Short Sale Negotiator and Certified Pre-Foreclosure Specialist. With a full time staff dedicated to short sale negotiations and transactions, we have been successful with every short sale to date.

Moorpark CA – One of the common reasons that people are concerned about a foreclosure or short sale in their history is because they are concerned about their credit score.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

While it’s true that your credit score will be adversely affected by these items, it is also true that you can move past blemishes on a credit report.

You may want to consider doing some credit repair or credit restoration. It isn’t hard to do, and when taken step by step, it can be handled in an organized, manageable way.

The first step that you need to do is to get and review your credit report. I’m always amazed by the psychology of just this step.

Most people don’t want to pull their credit report because they “just feel” like it will be bad, and they don’t want to see it.

However, you won’t know where you are at or how to get onto the next phase of recovery until you figure out where you are at.

You have seen all the commercials, and can sing the jingles, for some of the places to get your credit report. There are pros and cons for any of the places you can get your credit report.

The two words of caution I offer here are:

1. You can get an annual free credit report (the one that the government requires the 3 credit reporting bureaus to provide) from annualcreditreport dot com.

However – if you choose this route – it is free, but it then bumps up the time that a creditor has to investigate any of your disputes from 30 to 45 days.

This isn’t a great option, in my opinion. You’ll understand why after you learn about the dispute process.

Also, be aware that this service doesn’t have to give you your 3 digit credit score – which you might want to know.

2. Most of the other services offer you a free 30 day trial period, and then you get “enrolled” in their credit monitoring program. If you aren’t one to keep track of the 30 day trial timeframe, you could end up sucked into paying for something that you wouldn’t normally want to spend monthly money on.

In my next blog post I will talk about how to review your report, what to look for, and how to analyze 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 cjohnson@prucalhomes.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 805-208-0823

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Ventura County loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Chris B Johnson.

Chris B is a Real Estate Agent at Prudential Califonia Realty.

Phone: 805-208-0823. cjohnson@prucalhomes.com.

Certified HAFA Specialist, Certified Short Sale Specialist

View My homes for sale at www.ChrisBJohnsonRealtor.com.

Chris Johnson specializes in loan modification assistance and short sales in Ventura County California. Ventura County Loan Modification Help, Ventura County short sales. Ventura County Short Sale Realtor Ventura County CA Short Sales. Ventura County Realtor.

Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Chris B Johnson, Prudential Califonia Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse 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 Chris B’s personal views and do not reflect the views of Prudential Califonia Realty.

This information on How To Fix Your Credit After A Ventura County Short Sale: Step 1 is provided as a courtesy to our viewers to help them make informed decisions

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Step 2 To Fix Your Credit After A Moorpark Short Sale: Analyze Your Credit Report

Certified as a California Association of Realtors HAFA Specialist, a National Association of Realtors Short Sale and Foreclosure Resource, Chris B Johnson Realtor is a Certified Distressed Property Expert, Certified Short Sale Negotiator and Certified Pre-Foreclosure Specialist.

Fix Your Credit After A Ventura County Short Sale: Analyze Your Credit Report

Moorpark CA – Once you have gotten your credit report, the next step in the process of restoring your credit score is to go over it with a critical eye. Analyze what the report says.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

Put aside any emotion that looking at the report might stir up – you need to look at it objectively.

First, make two copies of your credit report. Save the original without any marks on it. You can make any notes you need on one of the copies, and put the other copy aside for a later step.

Your credit report will show all sorts of history on your credit accounts. Look for all the negative items on your credit report and highlight each one.

The credit reporting firms might not make it easy for you to know what they are considering negative with all the codes they use.

As a very general rule, Experian notes negative items with an asterisk or an inquiry; Equifax and TransUnion put “>>>” as a way to signal negative items or items that have a rating higher than l1, M1, or R1.

You can also look for these words: repossession, foreclosure, profit and loss write-off, charge-off, paid profit and loss write-off, paid charge off, settled, settled for less than full balance, included in bankruptcy, collection amounts.

Paid, unpaid (or anything indicating payment history); court accounts, liens, judgments, bankruptcy (chapters 11,7, or 13) divorce, satisfied liens, or satisfied judgments; or items that show more than 30, 60, or 90 day payments. All of these should get highlighted by you.

Once you’ve highlighted anything that is listed as negative, take out a pencil and put a note next to the items that are either inaccurate or inconsistent. Inaccurate items are the ones that aren’t yours, or show the wrong balance, etc.

An inconsistent reporting is where the same information on the report contradicts itself somewhere else. For example, showing one place that there are twelve 31-day-lates on an account, while also saying that the account was only reviewed for 4 months.

It is always surprising how often there are errors like that found on credit reports. Remember – there’s a whole lot of information being submitted each day to these companies, and mistakes can happen.

The next step will be important to take as soon as you finish highlighting your report.

You will need to move quickly through these first few steps – your timing is all tracked and it’s important for you to be diligent so that your credit can be restored. 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 cjohnson@prucalhomes.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 805-208-0823

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Ventura County loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Chris B Johnson.

Chris B is a Real Estate Agent at Prudential Califonia Realty.

Phone: 805-208-0823. cjohnson@prucalhomes.com.

Certified HAFA Specialist, Certified Short Sale Specialist

View My homes for sale at www.ChrisBJohnsonRealtor.com.

Chris Johnson specializes in loan modification assistance and short sales in Ventura County California. Ventura County Loan Modification Help, Ventura County short sales. Ventura County Short Sale Realtor Ventura County CA Short Sales. Ventura County Realtor.

Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Chris B Johnson, Prudential Califonia Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse 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 Chris B’s personal views and do not reflect the views of Prudential Califonia Realty.

This information on Step 2 To Fix Your Credit After A Ventura County Short Sale: Analyze Your Credit Report is provided as a courtesy to our viewers to help them make informed decisions.

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Step 3 To Fix Your Credit After A Moorpark Short Sale: Rank Items In Order Of Importance

Get your Free Report for All Your Options HERE: http://hosted.cdpe.com/175202/">Certified Distressed Property Expert

Your BEST CHOICE FOR A REALTOR IN VENTURA COUNTY CA, Ventura County Certified Short Sale Specialist, Ventura County Short Sale Help, Certified Short Sale Negotiator, Stop Foreclosure Institute of Ventura County, Your Top Listing Realtor with Prudential California Realty, Moorpark, http://bit.ly/14WW3B0

Moorpark CA – The next step in going over your credit reports is to really rank the items being reported about you to find ones that are the most negative. Rank the negative items with the MOST negative ones given the lowest ranking.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

You want to rank the ones that will cause the most damage to your credit score.

Here are the most damaging items (in order of damage amount): bankruptcy; foreclosure; repossession; loan default; court judgment; accounts in collections; payments that are past due; payments that are late; being denied credit; inquiries to open new credit.

One thing to note about disputing things on your credit report – items like court judgments and foreclosures and child support arrears are verified by a different system, and are rarely if ever disputable.

Here is one of the best suggestions that I have seen work well. Take a Sharpie pen, and mark on the unused copy of your report.

Circle the items you are disputing and write a SHORT note about why you are disputing that item – for example “Not my account” or “Not Late.”

I am not advising you to lie or make misleading statements when you write to the credit reporting company. However, I will tell you that if someone is reporting something about you, they should be able to prove that what they are saying is the truth.

The credit bureaus are required to check out and investigate all the disputes they get that are deemed to not be “frivolous or irrelevant.”

What that means is that you need to not dispute every single item on your report right now, and you need to be taken seriously.

This means DO NOT use the dispute form that they sent with your credit report. They see those forms as “frivolous” 9 out of 10 times.

DO NOT use their online dispute center – the credit bureaus don’t take those seriously because they think you can’t be too serious if you just click-click-clicked away to dispute 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 cjohnson@prucalhomes.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 805-208-0823

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Ventura County loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Chris B Johnson.

Chris B is a Real Estate Agent at Prudential Califonia Realty.

Phone: 805-208-0823. cjohnson@prucalhomes.com.

Certified HAFA Specialist, Certified Short Sale Specialist

View My homes for sale at www.ChrisBJohnsonRealtor.com.

Chris Johnson specializes in loan modification assistance and short sales in Ventura County California. Ventura County Loan Modification Help, Ventura County short sales. Ventura County Short Sale Realtor Ventura County CA Short Sales. Ventura County Realtor.

Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Chris B Johnson, Prudential Califonia Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse 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 Chris B’s personal views and do not reflect the views of Prudential Califonia Realty.

This information on Step 3 To Fix Your Credit After A Ventura County Short Sale: Rank Items In Order Of Importance is provided as a courtesy to our viewers to help them make informed decisions.

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Step 4 To Fix Your Credit After A Moorpark Short Sale: Write The Credit Bureaus

Your Ventura County Certified Short Sale Specialist. Loan Modification Denied? HARP re-fi denied? Want to avoid foreclosure? THE BEST REALTOR IN VENTURA COUNTY CA, http://bit.ly/14WW3B0

Your BEST CHOICE FOR A REALTOR IN VENTURA COUNTY CA, Ventura County Certified Short Sale Specialist, Ventura County Short Sale Help, Certified Short Sale Negotiator, Stop Foreclosure Institute of Ventura County, Your Top Listing Realtor with Prudential California Realty, Moorpark, http://bit.ly/14WW3B0

Moorpark CA – Using your work on the credit report, you are ready to take action. You are now going to write a letter to the credit bureaus about the items you’ve highlighted and noted.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

You are writing to the credit bureaus because they are the ones reporting the information – it is up to them to change what they report.

The goal is to get bad things deleted from your credit report in order to improve your score.

Do not go to Google, or bing and try to find a form letter than you should send in for this step! The credit reporting companies can spot those like a hunting dog can spot a duck.

You will not get anywhere with a “canned” letter, and will damage your chances of ever resolving issues.

Your letter should sound like you are frustrated (which you undoubtedly are), and should sound authentic. But, do sound polite and friendly.

Don’t sound like an expert, but do sound like you expect action. In this round of letters – your aim is to have the credit bureaus remove items that are hurting your credit score.

The bureau will then have to investigate your dispute and REMOVE any of the disputed items if they can’t prove them to be accurate (this involves them contacting the original creditor and verifying with them – all within the short 30 day window allowed by law).

Here is the basic outline to follow for your first round of letters you send:

At the TOP of the letter, put your name, SSN, current address (and state lived there for X years), and your DOB.

Say something about how you’ve just reviewed your credit report, and found items that are inaccurate.

List the items BRIEFLY. Say something like: “Chase Credit Card xxx-xxx-xxxx, listed for 30 days late. I have never been late on this account,” or “Citi Credit Card xxx xxxx xxx listed as collections. This is false.”

Note that you are upset / worried / distressed / embarrassed about these items, since you know they are negatively affecting your credit score.

Ask that these items be deleted from your report immediately.

Add Sincerely, and your name below. Sign the letter.

Include a photo copy of your driver’s license as proof that you are you making this request. Also include proof if you have it (credit card statement from the month where they say you were late when you weren’t.)

The next step is to submit this letter. 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 cjohnson@prucalhomes.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 805-208-0823

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Ventura County loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Chris B Johnson.

Chris B is a Real Estate Agent at Prudential Califonia Realty.

Phone: 805-208-0823. cjohnson@prucalhomes.com.

Certified HAFA Specialist, Certified Short Sale Specialist

View My homes for sale at www.ChrisBJohnsonRealtor.com.

Chris Johnson specializes in loan modification assistance and short sales in Ventura County California. Ventura County Loan Modification Help, Ventura County short sales. Ventura County Short Sale Realtor Ventura County CA Short Sales. Ventura County Realtor.

Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Chris B Johnson, Prudential Califonia Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse 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 Chris B’s personal views and do not reflect the views of Prudential Califonia Realty.

This information on Step 4 To Fix Your Credit After A Ventura County Short Sale: Write The Credit Bureaus is provided as a courtesy to our viewers to help them make informed decisions.

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