Can I build credit from a mortgage I am paying that is not in my name?
603981
Since the loan is not in YOUR name, it has no effect on YOUR credit.  If the LOAN is in the "the estate of __________", the bank KNOWS the person is deceased, even if they don't realize it.  It may be the DEED is in that name, which is a whole different animal.\n\nWith a credit score of 780, I wouldn't worry about getting the loan in your name.. Just pay it off and start putting that payment into savings where it will earn YOU some interest (instead of you paying it to the lender).  You will benefit from paying it off by having 1). no mortgage payment and 2). full equity in the house.\n\nGood for you for wanting to get this paid off!  Sounds like you have pretty good financial sense.
1172494
Accepting that you are going to do it. Seriously. Then you need to find a lawyer that specializes in this as you are going to have some long term negative consequences and the idea is to make things as easy as possible. Some day you will want, or need, credit again for any number of things and you should be laying the groundwork for that right now.
376395
Yes, I beleive that this is called 'Deed in lieu' to foreclosure.\n\nYou do not want the bank to foreclose, because that will kill your credit.  Why not just sell the property and walk away...
1186750
WHAT THE HECK DOES THIS HAVE TO DO WITH CREDIT
255357
You should talk to someone instead of reading comments based on people who do not have your application and credit profile.\nI have been lending for over a decade and know that allthough everything these guys are saying is true, it might not apply to your situation at all. Every client is unique.
1175781
The only way I know of is to get a co-signor on a loan, and re-establish your credit from there. See if your bank will work with you on a small credit-reestablishing loan as well. Most banks will, especially if you tell them your circumstances.
339941
There are loans available that allow you to purchase a home with no disclosure of employment or income.  You usually have to have good credit to this type of financing.\n\nAlso, be sure to discuss options with the builder regarding who will do the interim financing during construction.  If you cannot verify income at the start of construction, the builder may take the construction loan, and you could get the permanent financing loan after the house is built.
381284
i think you're asking for a specific number of points, but you're not giving enough history to get a good answer.  if your mortgage is the only credit you have, you need to get at least two more tradelines to get more credit - sometimes you won't have a score at all if you only have the mortgage.  if you go to myfico.com, you can get a good hypothetical answer to many credit scenarios. they also have a great product for $50 by Suze Orman that gives you all three reports and scores and analyzes your credit.  It even gives you advice on what will be the best move to increase your score.
729576
No, but its not very sensible as you are continuing to mount up interest charges.  Contact them and see if you can come to some arrangement which will make it easier to pay.  \nDONT IGNORE IT ANY LONGER!!!!
938530
If you have credit without bad mark on it I am sure you can get a loan from a private source(bank or person).  Also depending on how much you need you maybe able to use other options like credit cards.
166917
Call a title Company, they keep these list in their data base. If you are not a real estate agent or in the business they may make you pay for the info.
556857
so you have your own mortgage company?  I can probably help you steamline your process email me at taustin288@gmail.com and we can probably work out something
429365
Unfortunately in the - very advanced - society we currently live in, the computers do not have a field for joint applications and/or accounts.\n\nThey - institutions and the like - say yes it is joint, but the fact is whoever is listed first, is who the account/property, etc is listed under.\n\nOne (the institution etc.) has to look further into the matter (via computer screen) to see the joint names.\n\nBut it is the individual that appears first on the account that USUALLY has ALL the control.\n\nHaving said that, when you contact the customer service departments, speak to a supervisor, if the rep. is not responsive. YOU ARE listed on the account and have the right to the information. So a)You should get billings - even if they are copies, and c)You are entitled to mortgage interest information - if you know the amount - then you are legally (understand I am NOT an attorney/accountant) entitled you use at least 50% - if not more. It depends on what percentage of mortgage /home equity you pay - even if you do pay ALL, ex may argue he used his funds to pay your 'whatever' bills.\n\nb)Equity account awarded to you - again speak to supervisor and/or their legal people. Explain you have judgment in your favor-they SHOULD- give you the access you need to the equity.\n\nd) If the house is in your name, then the house is yours and the loan is 'joint' Insurance claims as I understand (I'm not an insurance agent)are paid out to the lien holder's favor (mortgage company) who would then release it to proper party - like the people that reconstructed whatever broke - so do not pay out of pocket - let insurance company pay.\n\nNone of the above is easy, or a great way to do things.  it will take time, and probably longer than you would like. Document EVERYTHING, who you talk to and when, check your credit report regularly (I have a link to free report on my website) and do what you can to move on.\n\nYou may decide it prudent to get a second opinion from an another attorney, it may be expensive, but may be worth it, IF it allows you to get on with your life.\n\nGood Luck!
1187216
I was in a simialir situatio to this a few years ago, except I didnt have any land.  I wasnt able to get a construction loan without putting up my half of my current shared house as collateral.  It was kind of a sensative area legally I was told.  It ended by my ex having to buy me out and paying off the remainder of the loan so she could own the house outright.  It can be done, you just need to investigate.
765949
Has the lien been reported to your credit?\nIf not, pay it off. If so, consult an attorney specializing in real estate.
177990
Try calling your lender or there may be a website listed on your mortgage statement.  Another possibility is contacting your bank and asking them if you can use on-line bill pay to pay your lender.
861042
No, phone them and set up a payment plan. They will try to work with you and avoid going to Court. It costs them money to go to Court. Or you can contact a local Credit Counselling company in your area. They can also help you set this up.