Info from 2 different mortgage officers.sm

• Consumer Credit Corp. ? Anyone have any info? (sm) - nn
  • Baaaad experience with CCCS - been there
    • nonono - msbeanctr
  • We went with CCCS about 4 years ago. - see msg
  • This is the worst thing you can do, next to bankruptcy... - Former bank manager . . .
    • Forgot to add my accounts say "Closed at request of consumer." - SDK
      • We closed our accounts before going with CCCS. Have been very pleased with the way they have handle - account. nm
    • That's funny because after we went through CCCS our score went up significantly. nm - SDK
    • Bankruptcy is not that bad- filed earlier this year and - fleming
      • But you have learned nothing. Ever hear of paying cash for what you want, instead of financing? - nm
        • You go! - Outraged
      • Proud?!?!?! - Outraged
      • Don't kid yourself . . . you may be able to buy - Former bank manager . . .
        • After paying on my truck and house for a year I can - fleming
          • I hope it all works out well for you . . . - Former bank manager . . .
            • Quick question for x-bank manager - Excellent credit here
              • Having a couple zero-balance accounts open is okay . . . - Former bank manager . . .
                • Another question, please - Excellent credit here
                  • The older the account, the higher the score . . . - Former bank manager . . .
            • Since your a former bank manager- how can I get - frost
              • Without knowing the details of your finanacial situation . . . - Former bank manager . . .
                • Thanks for the advice!!! nm - frost
                  • You're very welcome! :) nm - Former bank manager . . .
  • I went through consolidation with CCCS - PJ
  • Check out Genus - in debt
  • RE: Consumer Credit Corp. - bea
  • Consumer Credit - Patti
  • You might do just as well negotiating - Listenup
    • You can't go wrong with Suze and take her advise, cut up cards but do NOT close accts. Just don&# - use them, better for credit rating to keep them op
      • This is not true if you have multiple cards. sm - R
        • Actually, NOT having open credit accounts hurts your FICO score. - tired of FICO
        • Do not close credit card accts with 0 balance - Excellent credit here
          • You really should close some of them. sm - R
            • That was the old advice before FICO scores came out. - still hate FICO scores
            • Where do you get your info? - Excellent credit here
              • Info from 2 different mortgage officers.sm - R
                • Well, that is incorrect information. You should leave your 0 balance accounts open sm - Chrissy Consumer
  • consumer credit - duck

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truly keeps me motivated....the mortgage is HUGE....*bites nails* 

*lol*

nm

A few years ago, I heard the story behind this great garden vegetable and did order some mortgage-lifter seeds from a catalog.

In the 1960s, a gentleman developed/raised mortgage-lifter tomatoes, selling them off for $1.00 each and sold enough to pay off his $6,000 mortgage.  Thus, he named them mortgage-lifters.

Granted, it's too late in the year to start this enterprise now, but selling seedlings to gardeners is one way to earn some extra money. 

I live in a rural area and do plant a small vegetable garden every year.  I start tomatoes from seeds, and usually end up with more plants than I need.  Most people I know do purchase seedlings; they don't start out with seeds.  My son and I have decided that we will sell seedlings (more than just tomatoes) next spring at a weekly yard sale in our front yard.

Mortgage-Lifter story is here:

http://www.loe.org/shows/segments.htm?programID=05-P13-00038&segmentID=8

I'm considering asking for a trial at it, wish me luck!

Because MT is a tiny community and we share the misery well.

I understand what you're saying (and it sucks to be in the situations you were in) but I do believe that if we are adequately vigilant we'll know what we need to.  OTOH, then there's me, and I don't care what they do as long as there's work.  So I get where you're coming from.

I just would like to see an end to the destructionist thinking about MTSOs and MT in general.  :)

Good discussion!

I've never worked for Accuscribe, but I did meet the owner once and felt she was incredibly nice.  We had a long talk at a convention.  I liked the idea that she said she paid premiums to MTs who most helped out their coworkers. 

In the past 4 years or so, the only bad thing I've heard is that they don't pay for spaces and that they require noncompete agreements, etc., before they will test MTs.  If you are applying for IC work, then a noncompete agreement is dodgy legally; you might want to consult your attorney and accountant to look over the paperwork before deciding.  [If you don't have an attorney and an accountant,  you have no business being an IC, IMHO.]

As far as I know, they still use DocQScribe as they were the company that first field-tested it when it was developed.  (MQ bought it from the software company.)  As you've probably already found out, there are those who love and those who hate DQS.  It's a nice platform when the demographics import feature works well; otherwise you end up entering a lot of data that you're not paid for.  Even with demo importing, you'll still end up losing lots of lines for things like date of service/admission/discharge, referring/requesting physician names, and names/addresses for the courtesy copies, all stuff we used to get paid for as recently as 2-3 years ago. 

Perhaps you'll post your experience if you go further with this company?