The three credit bureaus make their money by selling credit scores, not by removing items off your report.

When I do, I'll give you a report.

In China, the people never report income tax, even if so, the tax rate is not as high as in USA.

Example, borrower's middle FICO is 686 with absolutely no lates, has 8 mortgages on his report - this would be 9th, owned subject property for 12 months, full doc, no cash out just rate and term, LTV is 48%.

You should nerver over repair, and should only do repairs that are consistant throughout the neighborhood.

so out goes the idea of the trust, but its a great idea though.2) The LLC idea, it the bank is involved they will pull a history of the property ( prelim title report) and they will find out that the LLC recently took ownership of the property... .. this might create issues.My thoughts, why not just talk to the BANK.... request them to sell you the non performing note ..

Pure bunk.If you could do the following:* create a website for TBers to leave their info* get door hangers and flyers and bandit signs up for TBer to be driven to Web Page* get TBers money together, whether it is a loan from Household Finance, or loan from their parents, what ever* convince the Seller that the sales price is a new appraisal, period, at the time the TBer gets financing approved and funding letter is typed up* learn about credit reports and clearing negative marks (Fair Credit Reporting Act, FTC, etc)* have a goal where 10% down payment is arrived to get good rates* have the seller pay closing costs* you as an agent get 3% now, 3% when it closesThe challenge is helping both the seller and TBer get a win win, not easy.i.e.

At least if they were consistent one way or the other it would be useful as either a buying or selling value generator.

Im just trying to understand when I apply with my EIN what reports will come up that are associated with that number... do all my bank accounts show?

If you find out that an agent did not submit your offer report them to your dept of RE