1.
request What is required from the homeowner when they want to file a dispute?
2.
When can a homeowner file a dispute?
3.
Portal, fax or mail What are the 3 ways a homeowner can file a dispute?
4.
What is the one way that a homeowner can NOT file a dispute?
5.
request if we as agents cannot resolve the homeowners' issue on the call how may the homeowner resolve the issue?
6.
dispute When a customer denies ownership of the debt, states that they are not responsible for the debt, or disagrees with any of the below points relating to their debt AND the dispute cannot be resolved verbally.
7.
Disputing the debt means that you are denying the ownership of that debt saying it is not yours and should not have to pay it.
8.
credit report If you do not pay your bills within the same month, you are subject to a _____ _____ ____.
9.
Union, Equifax, or Experian Homeowners cannot use credit karma, they must use ____ ____ _____to provide a credit report.
10.
Every time we get a credit dispute, the homeowners are required to send us a copy of that ____ ____ along with a written request explaining why they think they were reported wrong.
11.
We can waive a late fee 1 time every ____ ____ ____ for our homeowners, as long as there are no other late fees on the account, and we make sure we look at the payment history to confirm there are no other late fees.
12.
This is a returned payment from the homeowners bank.
13.
We do not have the ability to waive NSF fees, unless ____ is at fault.
14.
agents can only provide the email address ________ when a homeowner is asking about a partial release.
15.
Anytime somebody wants to dispute their principal balance, we must look at their _____ _____ to determine how much has gone into the principal.
16.
In order to honor a payment that was sent that isnt showing in the system, we need _____ from the checking and savings account that money was actually sent.
17.
Homeowner's can set up a recurring ACH using the _____ web portal
18.
A one time monthly auto draft is also known as ______
19.
Homeowners can do a ____ ____ pause, so if they need to temporarily stop it so they can make the payment at a later time.
20.
If we get ___ NSF or return payments from the bank, we will cancel the ach.
21.
The homeowner will need a ________ record going forward of on-time payments with no returns from the bank, along with an overall record clean mortgage record, to regain eligibility to re-enroll in recurring payments.
22.
________ payments cannot be signed up for online, they are required to have a form.
23.
_______ payments do not make homeowners to make any additional payments to their principal, but depending on how you get paid, it could be a good options since they get to choose their 2 draft dates.
24.
If the homeowner cannot change the bank for their ACH online, only option we have is to go ahead and _____ it out and have them sign back up for ACH payments with their new bank information.
26.
With Fannie Mae our homeowners can send in written or verbal requests to reapply a principle only payment to take care of a ________.
27.
Adjustable rate mortgages are calculated using an _____ Interest calculations.
28.
For wire payments, we can only accept _________.
29.
We find that most misapplied funds situations happen when the payment is being made via ________.
30.
Once they are more than 2 months due, a ______ agent will have to process their payment, as Proctor reps are not allowed since we are not licensed in collections.
31.
The payment scripting should ______ _____ in the phone, but if it doesn't, you can read them right from this Shellpoint Connections page.
32.
When we see _____, it means we received some kind of check or paper payment
33.
_____ means that the check has been processed and applied
34.
_______ means an electronic payment was made.
35.
______ typically means we have dispersed some funds out of the account.
36.
______ means that there was an internal financial adjustment.
37.
___ ____ ___ _____ is a payment from a prior servicer
38.
_______ means someone wired money over
39.
________ means we moved funds around.
40.
______ _______ means a payment done through our IVR.
41.
______ _______ means a payment done through one of the call center agents.
42.
______ _______ means that they went through their bank to send us that payment
43.
The checks that CoreLogic sends to pay escrow are examples of ______ ______
44.
shows the price that needs to be paid in order to satisfy the lender and the loan.
45.
Once the loan is paid off, to change the lien to reflect themselves as the official sole homeowner, homeowners need to take that _____ _____ that they get to their local County Courthouse.
46.
The ____ ___ owed to pay off the loan is based off of what the property's county courthouse is charging the lender.
47.
For Adjustable rate loans, if they are in the middle of a rate change, we cannot run a _____ until the rate change is complete.
48.
When submitting a pay off, ______ is the fastest way to submit the request.
49.
of mortgage ______ _____ ________ is a request that can be put in anytime somebody's looking to refinance to confirm information about the mortgage.
