How to Cancel Your True Credit Trial Membership
So you took the first step of changing your credit around by ordering your credit score and report from Truecredit.com under their free trial membership. However, when you went to cancel, you can’t find a single link or piece of information to cancel your account before you get charged. Here is how to cancel your account
Instructions
Step
1
Call the True Credit toll free number. The company makes it as difficult as possible to cancel by not offering the information and making you search for the phone number on their website. The phone number is 800-493-2392.
Step
2
Press or say “2″ for canceling your True Credit membership.
Step
3
Provide the necessary information to the True Credit customer service representative. They will ask for your Social Security Number or account number, your birth date, as well as your name and email address to verify your information
Step
4
Endure the sales pitch. Before you cancel your True Credit membership, the rep will go through a scripted sales pitch offering you a free extra month of the service. They may also ask why you are canceling. Stay strong and cancel your membership.
Step
5
Write down the confirmation number. Once you have turned down the extra offers, the True credit rep will give you a confirmation number. Write it down and keep it somewhere safe. You have now successfully canceled your membership.
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Not Having A Mortgage Doesn’t Stop Bank Of America From Foreclosing On The House
Charlie and Maria Cardoso managed to do something few homeowners can: They own their vacation home in Florida outright, with no mortgage. But that didn’t stop Bank of America from kicking out a tenant who was renting the house, tossing out the Cardosos’ possessions, and, yes, foreclosing on the debt-free home.
According to South Coast Today:
Charlie P. and Maria C. Cardoso said in the lawsuit they own the property in Florida free and clear of any mortgage and have never had a mortgage with Bank of America/Countrywide on the home. …
The house was being rented at the time to a single mother with two teenage sons, who moved out because they were “intimidated” by the foreclosure proceedings, according to court documents.
Charlie Cardoso is currently laid off from his job in the construction industry and his wife is disabled, according to court documents.
Christina Beyer, a Bank of America spokeswoman, would not comment Wednesday night, saying it is their policy not to discuss pending litigation.
Cardoso is suing Bank of America over the foreclosure. In the suit, he says that he “received a call from the tenant, who said in a panic there were three people at the house from the bank and they were there to foreclose, clean out the house and place padlocks on the doors.” Cardoso managed to reach the agent on the phone to explain that he didn’t have a mortgage on the house, but BofA foreclosed anyhow.
In order to take back his home, Cardoso had to drive from his home in Massachusetts, convince police that he was the rightful owner of the vaction house, and break down the door. When he finally got in, he found that the pipes had frozen, his power tools were gone, and the water and electricity had been turned off.
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Santa Claus, The Easter Bunny, an intelligent, honest mortgage broker/banker, and a dumb borrower are sitting at a table.
Q: Santa Claus, The Easter Bunny, an intelligent, honest mortgage broker/banker, and a dumb borrower are sitting at a table. In the middle of the table is a stack of $20 bills for the taking. Who walks away with the money?
A: The dumb borrower. There is no such thing as Santa Claus, The Easter Bunny, or an intelligent, honest mortgage broker/banker.
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Thank goodness there’s a name for this disorder.
A.A.A.D.D.
KNOW THE SYMPTOMS!
Thank goodness there’s a name for this disorder.
Somehow I feel better even though I have it!!
Recently, I was diagnosed with A.A.A.D.D. -
Age Activated Attention Deficit Disorder.
This is how it manifests:
I decide to water my garden.
As I turn on the hose in the driveway,
I look over at my car and decide it needs washing.
As I start toward the garage,
I notice mail on the porch table that I brought up from the mail box earlier.
I decide to go through the mail before I wash the car..
I lay my car keys on the table,
Put the junk mail in the garbage can under the table,
And notice that the can is full.
So, I decide to put the bills back
On the table and take out the garbage first..
But then I think,
Since I’m going to be near the mailbox
When I take out the garbage anyway,
I may as well pay the bills first.
I take my check book off the table,
And see that there is only one check left.
My extra checks are in my desk in the study,
So I go inside the house to my desk where
I find the can of Pepsi I’d been drinking.
I’m going to look for my checks,
But first I need to push the Pepsi aside
So that I don’t accidentally knock it over.
The Pepsi is getting warm,
And I decide to put it in the refrigerator to keep it cold.
As I head toward the kitchen with the Pepsi,
A vase of flowers on the counter
Catches my eye — they need water.
I put the Pepsi on the counter and
Discover my reading glasses that
I’ve been searching for all morning.
I decide I better put them back on my desk,
But first I’m going to water the flowers.
I set the glasses back down on the counter,
Fill a container with water and suddenly spot the TV remote..
Someone left it on the kitchen table.
I realize that tonight when we go to watch TV,
I’ll be looking for the remote,
But I won’t remember that it’s on the kitchen table,
So I decide to put it back in the den where it belongs,
But first I’ll water the flowers.
I pour some water in the flowers,
But quite a bit of it spills on the floor.
So, I set the remote back on the table,
Get some towels and wipe up the spill..
Then, I head down the hall trying to
Remember what I was planning to do.
At the end of the day:
The car isn’t washed
The bills aren’t paid
There is a warm can of Pepsi sitting on the counter
The flowers don’t have enough water,
There is still only 1 check in my check book,
I can’t find the remote,
I can’t find my glasses,
And I don’t remember what I did with the car keys.
Then, when I try to figure out why nothing got done today,
I’m really baffled because I know I was busy all day,
And I’m really tired.
I realize this is a serious problem,
And I’ll try to get some help for it,
But first I’ll check my e-mail….
And that my friends is how I spend my day !
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2 mortgage brokers walk into a bar
2 mortgage brokers walk into a bar, and after an hour of heavy drinking one strats to vomit on the floor. A moment later, he gets on knees and starts licking up his vomit.
The other broker says”What are you doing?”
Pukey replies:”New re-purchase agreement.”
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The dream of the older generation
The dream of the older generation was to pay off a mortgage.
The dream of today’s young families is to get one.
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Little Johnny and the teacher
Little Johnny was being questioned by the teacher during an arithmetic lesson.
“If you had ten dollars,” said the teacher, “and I asked you for a loan of eight dollars, how much would you have left?”
“Ten,” said Little Johnny firmly.
“Ten?” the teacher said “How do you make it ten?”
“Well,” said Little Johnny “You may ask for a loan of eight dollars, but that doesn’t mean you’ll get it!”
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Real Estate Glossary of Terms – What They Really Mean (funny but true)
Glossary of Terms – What They Really Mean
Spacious – average
Charming – small
Comfortable – very small
Cozy – very, very small
Low maintenance – no lawn
Walk to stores – nowhere to park your car
Prestgious – expensive
Bright and sunny – venetian blinds not included
Modern – 30 to 40 years old
Contemporary – at least 15 years old
Sprawling ranch – inefficient floor plan
Natural setting – forget about planting, the deer will eat everything
Secluded setting – far away
Executive neighborhood – high taxes
Park-like setting – a tree on the block
Unaffected charm – needs painting
Starter home – run down
Hurry! Won’t last – about to collapse
And much, much more – nothing else comes to mind
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The bank teller and the frog
A frog goes into a bank and approaches the teller. He can see from her nameplate that her name is Patricia Whack. So he says, “Ms. Whack, I’d like to get a loan to buy a boat and go on a long vacation.” Patti looks at the frog in disbelief and asks how much he wants to borrow.
The frog says $30,000. The teller asks his name and the frog says that his name is Kermit Jagger, his dad is Mick Jagger, and that it’s OK, he knows the bank manager. Patti explains that $30,000 is a substantial amount of money and that he will need to secure some collateral against the loan.
She asks if he has anything he can use as collateral.
The frog says, “Sure. I have this,” and produces a tiny pink porcelain elephant, about half an inch tall, bright pink and perfectly formed. Very confused, Patti explains that she’ll have to consult with the manager and disappears into a back office. She finds the manager and says: “There’s a frog called Kermit Jagger out there who claims to know you and wants to borrow $30,000. And he wants to use this as collateral.” She holds up the tiny pink elephant. “I mean, what in the world is this?”
The bank manager looks back at her and says: “It’s a knick knack, Patti Whack. Give the frog a loan. His old man’s a Rolling Stone”.
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The loan officer and the millionaire
Before going to Europe on business, a man drove his Rolls-Royce to a downtown New York City bank and went in to ask for an immediate loan of $5,000.
The loan officer, taken aback, requested collateral and so the man said, “Well then, here are the keys to my Rolls-Royce.”
The loan officer promptly had the car driven into the bank’s underground parking for safe keeping, and gave him $5,000. Two weeks later, the man walked through the bank’s doors, and asked to settle up his loan and get his car back. “That will be $5,000 in principal, and $15.40 in interest”, the loan officer said.
The man wrote out a check and started to walk away.
“Wait sir”, the loan officer said, “while you were gone, I found out you are a millionaire. Why in the world would you need to borrow $5,000?” The man smiled. “Where else could I park my Rolls-Royce in Manhattan for two weeks and pay only $15.40?
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