Diversified Home Loans

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Clearly Mr [redacted] has no idea what he is talking about Hard inquiries do not stay on the report for a mere few monthsThey stay on for a couple of yearsWhether they're on my record is my business, and he has no right to add more dings to my report through deceitful practiceHis attempt to minimize the damage is uselessHe can easily contact the credit agencies and request to have them removed, by reason of ERRORBottom line, he was informed on multiple occasions that I was concerned about inquiries should the application not be accepted for the amount requestedHe was given the scenario of my creditI DID have sufficient monies, which would have been generated from the sale of my propertyI will consider his response as uncooperative, untrue and non-compliant, and will proceed accordingly with the BREI am done communicating Regards, [redacted]

The client states that her loan was denied due to "too many inquiries"... Too many inquiries was not a reason for denial in the Notice of Action Taken letter that was sent to her so maybe someone else denied her for that reason, but not this office. The main reason... for the denial of her loan is due to the fact that she has Credit Disputes on her credit report and we can not proceed with a loan with open disputes. After disputes were discovered, I informed the client that there was some minor work to be done with the credit. She became upset by this news. The Notice of Action Taken document has been attached for review with the reasons for the denial and "too many inquiries" is not one of them. Given this the client has no basis for this specific complaint (denial due to too many inquiries). Also, once you apply for a loan the inquiries are on the credit report and can not be removed; the only way to not have credit inquiries is not to apply for loans. [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Mr [redacted] could not "proceed," because I made it clear that I was not interested in working with someone who willingly deceives people, especially after he failed to return my call that morningThat's clearly evident in his arrogant tone hereHe clearly reassured me that my credit inquiries would not be an issue, even after I disclosed that I had several hard inquiries within the past few monthsThere is also a reason on his Notice of Action for "insufficient collateral." I find it interesting that he uses this as another basis for denial, as he was clearly told the money would be coming from the SALE OF MY HOMEOther lenders, including ***, were more than happy to preapprove me at the price in questionI only made contact with Mr [redacted] as I was told he could shorten the approval process, and thus, create a quicker closing scenarioMr [redacted] only cares about earning his commissions wherever he can, and saw my case as another opportunity to execute that, at any cost, including lyingMr [redacted] smugly prides himself on "communication, integrity, and professionalism," he will certainly not be getting any referrals through me.I want the hard credit inquiries removed, a minor request in good faith, considering his unethical tactics and arrogant positionShould Mr [redacted] continue to ignore my request, I will promptly follow up with the Bureau of Real Estate Regards, [redacted]

The client states that her loan was denied due to "too many inquiries"... Too many inquiries was not a reason for denial in the Notice of Action Taken letter that was sent to her so maybe someone else denied her for that reason, but not this office. The main reason
for the denial of her loan is due to the fact that she has Credit Disputes on her credit report and we can not proceed with a loan with open disputes. After disputes were discovered, I informed the client that there was some minor work to be done with the credit. She became upset by this news.The Notice of Action Taken document has been attached for review with the reasons for the denial and "too many inquiries" is not one of them. Given this the client has no basis for this specific complaint (denial due to too many inquiries). Also, once you apply for a loan the inquiries are on the credit report and can not be removed; the only way to not have credit inquiries is not to apply for loans. *** ***

Once a client applies for credit the credit inquiry is on the report for months and there is nothing anyone can do, it is the classic water under the bridge scenario. The issue with the clients credit is not the inquiry it is the Credit Disputes that need to be removed to proceed

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.Mr. [redacted] could not "proceed," because I made it clear that I was not interested in working with someone who willingly deceives people, especially after he failed to return my call that morning. That's clearly evident in his arrogant tone here. He clearly reassured me that my credit inquiries would not be an issue, even after I disclosed that I had several hard inquiries within the past few months. There is also a reason on his Notice of Action for "insufficient collateral." I find it interesting that he uses this as another basis for denial, as he was clearly told the money would be coming from the SALE OF MY HOME. Other lenders, including [redacted], were more than happy to preapprove me at the price in question. I only made contact with Mr. [redacted] as I was told he could shorten the approval process, and thus, create a quicker closing scenario. Mr. [redacted] only cares about earning his commissions wherever he can, and saw my case as another opportunity to execute that, at any cost, including lying. 
Mr. [redacted] smugly prides himself on "communication, integrity, and professionalism," he will certainly not be getting any referrals through me.
I want the hard credit inquiries removed, a minor request in good faith, considering his unethical tactics and arrogant position. Should Mr. [redacted] continue to ignore my request, I will promptly follow up with the Bureau of Real Estate.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Clearly Mr. [redacted] has no idea what he is talking about. Hard inquiries do not stay on the report for a mere few months. They stay on for a couple of years. Whether they're on my record is my business, and he has no right to add more dings to my report through deceitful practice.His attempt to minimize the damage is useless. He can easily contact the credit agencies and request to have them removed, by reason of ERROR.Bottom line, he was informed on multiple occasions that I was concerned about inquiries should the application not be accepted for the amount requested. He was given the scenario of my credit. I DID have sufficient monies, which would have been generated from the sale of my property.I will consider his response as uncooperative, untrue and non-compliant, and will proceed accordingly with the BRE. I am done communicating.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Clearly Mr. [redacted] has no idea what he is talking about. 
Hard inquiries do not stay on the report for a mere few months. They stay on for a couple of years. Whether they're on my record is my business, and he has no right to add more dings to my report through deceitful practice.
His attempt to minimize the damage is useless. He can easily contact the credit agencies and request to have them removed, by reason of ERROR.
Bottom line, he was informed on multiple occasions that I was concerned about inquiries should the application not be accepted for the amount requested. He was given the scenario of my credit. I DID have sufficient monies, which would have been generated from the sale of my property.
I will consider his response as uncooperative, untrue and non-compliant, and will proceed accordingly with the BRE. I am done communicating.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Mr. [redacted] could not "proceed," because I made it clear that I was not interested in working with someone who willingly deceives people, especially after he failed to return my call that morning. That's clearly evident in his arrogant tone here. He clearly reassured me that my credit inquiries would not be an issue, even after I disclosed that I had several hard inquiries within the past few months. There is also a reason on his Notice of Action for "insufficient collateral." I find it interesting that he uses this as another basis for denial, as he was clearly told the money would be coming from the SALE OF MY HOME. Other lenders, including [redacted], were more than happy to preapprove me at the price in question. I only made contact with Mr. [redacted] as I was told he could shorten the approval process, and thus, create a quicker closing scenario. Mr. [redacted] only cares about earning his commissions wherever he can, and saw my case as another opportunity to execute that, at any cost, including lying. Mr. [redacted] smugly prides himself on "communication, integrity, and professionalism," he will certainly not be getting any referrals through me.I want the hard credit inquiries removed, a minor request in good faith, considering his unethical tactics and arrogant position. Should Mr. [redacted] continue to ignore my request, I will promptly follow up with the Bureau of Real Estate.
Regards,
[redacted]

The client states that her loan was denied due to "too many inquiries"...   Too many inquiries was not a reason for denial in the Notice of Action Taken letter that was sent to her so maybe someone else denied her for that reason, but not this office.   The main reason...

for the denial of her loan is due to the fact that she has Credit Disputes on her credit report and we can not proceed with a loan with open disputes.  After disputes were discovered, I informed the client that there was some minor work to be done with the credit.   She became upset by this news.
The Notice of Action Taken document has been attached for review with the reasons for the denial and "too many inquiries" is not one of them.  Given this the client has no basis for this specific complaint (denial due to too many inquiries).    Also, once you apply for a loan the inquiries are on the credit report and can not be removed;  the only way to not have credit inquiries is not to apply for loans. 
[redacted]