We own our home, it’s valued at approximately $80k. We applied at the Bank we use, Woodlands. They said it was only denied bc of the 2 accounts, still in collections since we were scammed 2012-2014 & we’ve been paying on them for 5 years, but the payments do not show up on any credit report. Since then, I settled one of them & also have reports proving our automatic payments. We applied for HELOC & need about $15K to repair the damage, replace the roof & spouting.
