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     | Friday, March 02, 2001 - 12:53 pm  Via fax to the Home First Mortgage legal department: Continued from Home First Mortgage Since Fiza with Home First Mortgage hadn't returned my call and I got her VM again today, I spoke with loan manager Casey. He told me that Home First is the only mortgage broker who is an end user with Fidelity Credit and that you can in fact run the credit scores without causing inquiries. When I told him how great that is and that you'd be getting a lot of applications after I post this, he advised that he wasn't authorized to make statements for publication. He transferred me to your operations manager Brent Mazur. Mr. Mazur said something like it would cause an inquiry but not for the mortgage. I wanted to know what exactly that meant. Would there be inquiries showing when your customers apply for a credit card 2 months later? He said yes, but refused to explain what exactly you are doing. He was also very rude. He stated that he IS the operations manager and I was taking up too much of his time. I insisted that your customers have the right to know what EXACTLY will happen to their credit, especially since Fiza is using the "no inquiry" marketing technique. Mr. Mazur stated that I had to discuss this with you, the legal department. He refused to give me your number, but took down mine. Well, I don't like to wait around for phone calls, after all, I'm busy too. Besides, I much prefer a written response. I also have to say that ** I ** won't be a Home First Mortgage customer. The nerve to advertise that you can run credit scores without inquiries while you're not not willing or able to back it up or even explain what exactly will happen to the credit file. Something smells fishy. Imagine being in the middle of the mortgage application with First Home Mortgage, having a question, and then being told that you have to talk to their legal department, while not even getting their contact info! I avoid companies like First Home Mortgage who utilize these evasive tactics like the plague. So here's my question for the Home First Mortgage attorneys: When you run your customers' credit scores, do you cause inquiries, or do you NOT cause inquiries, or do you cause inquiries that are ignored only for YOUR company's underwriting system? Or???????? Please follow the link and post directly at the BayHouse Forum, your user name and password are included for your convenience. I'm looking forward to your detailed and specific response. Christine Baker "The Truth is out there."
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| | Friday, March 02, 2001 - 03:03 pm "CONFIRMATION OF YOUR FAX TRANSMISSION FAX STATUS: SUCCESSFUL TO 18886977100 COUNTRY: 1-NORTH AMERICA TRANSMISSION: 03-Mar-2001 00:46:10 GMT. DURATION: 1 Minute TOTAL COST: $0.00 YOUR FAXAWAY ACCOUNT BALANCE: $7.31." I just love those independent 3rd party fax transmission verifications. I added to the faxed posting above: "Attn: Legal department - Home First Mortgage via fax to: 888-697-7100 Below is my posting, published at http://www.bayhouse.com/discus/messages/1231/1297.html Please respond directly at the BayHouse Forum. For your convenience I established a BayHouse user account for you: user name: homefirst password: (...) You may log into the profile editor at the BayHouse Forum to customize your settings. Please feel free to contact me at ...@bayhouse.com should you have any problems. Also, any and all communications from you or anyone at First Home Mortgage is subject to publication. Sincerely, Christine Baker" Comments should be posted at Is it true.. that this type of inquiry won't lower FICO scores?? (Home First Mortgage) Only Home First Mortgage representatives should post here. Thanks!
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| | Monday, March 05, 2001 - 10:48 am Got a VM from Ryan, Home First Mortgage. He said he was aware of my fax, but didn't have it. He left his number so I could call him, should I "need to." I called and got his VM. Told him that I didn't need to talk to him, as I prefer a posted response. I left the "directions" to this topic. So, hopefully we'll be able to read soon what this new credit scoring without inquiries deal really is.
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