USDA Short Sale
Has anyone ever discounted a United States Department of Agriculture pre foreclosure ?
Has anyone ever discounted a United States Department of Agriculture pre foreclosure ?
You will find that if they do run a credit check it will be ran on the primary applicant so I would suggest that your spouse be listed as primary and yourself as occupant.
In some cases they may run a joint report - It may be suggestive to list a statement on your report for the reason why the negative.
If the short sale has been concluded contact all 3 credit bureaus, dispute the foreclosure report, and in most cases it will be corrected in 30 days or less.
[addsig]
It could be that the lien has been paid down, but not reflected. Best to confirm the amount due remaining.
You need to get a title company to research the amount owed. But realize that the amount can grow if they continue to not make the payments.
You can payoff liens prior (sometimes seconds) to the closing where you payoff the first.
Brenda