SMH, you are extremely puzzling to me. I don't know what it is. You can't tell me it is the algorithm after so long it's got to be something else. There have been a couple of people who were like you (one close to a year) and another 6-7 and they started emailing at the bottom of the loan page is the happy and frown face and they laid out what was going on. They read them because both got a reply and a Rep assigned to their account and there was a flag on their account. The rep stepped up and got them to drop off the red flag and back into the system and not hold me to it but I believe the one in 2-3 weeks got an offer much lower but paid off in a few months and boom another offer and larger. There has to be something somewhere you have no clue about that is caught up somewhere. I saw one guy post he was caught up over an EIN number! Apparently, they sent a message asking for it and something else to complete his last offer about 9 months ago, and he said he never received it or he would have sent it asap! That put up a flag. Once he called and did the bottom frown they reached out and showed him the message from months ago and he sent it in. A month later new offer came in.
Yes, that's why I try to tell people we all have a slow month, or in my case now its has been about 60/70% this last few weeks if not longer. I still get 10+ plus swipes a day but usually it's the opposite. This has been a different late summer/fall. I think in my case retail furniture they are bringing cash to stick to their budget honestly. But when you look at the quarterly sales and metrics everything is up and doubled sales already from last year and I am really busy until after December. End of January I slow down. So if you close for a week or go to fall hour/winter hours I don't stress that much over that. Disputes and returns are really important to keep to a minimum to none!
They should 100% also in the winter or whenever is your slower season and might close a day or 2. I have a stand for the house and I push 10-20 pieces of furniture on sale if im closed and that way im still swiping or processing a sale. I'm retail furniture in Michigan and we close on a Monday in the winter or a bad storm or ice. It is time for an online sale! But unfortunately, not all of us are the same and we are all unique in what we do, what we offer, and our billing part. Good luck and hopefully you can brainstorm and figure out a way to get it to line up or process once a day some how.
You are correct! It's 8.00 or 80.00 it's that you are swiping daily! The other 2 biggest are returns and disputes! Keep them at zero if possible! They cost money, time, and a human to do all of it. I am retail furniture and I still have a zero return policy! Instead, all of the new furniture comes with a warranty from the company. 2nd I take care of my customers on my own depending on each situation with in-store credit, a return in-store only, and I recoup it in the end because the customer is happy with it and comes back! If it's minor my husband can fix it and we can sell it in the gently used section. So I never had a return or dispute. I know in-store vs online is very different and not as easy to control but those are big ones. Good luck and hopefully soon!
Unfortunately, I wouldn't either! By the time you roll over and subtract that from the new offer depending on how much you process 1-3 months paid off and then here you are again. It's a 50/50 shot next offer might be higher or the same but at least by then the other would be paid off or in the upper 90s and a different story. I miss the days 4/5 years ago according to sales each loan grew and grew. In the last year or so mine has been 1k higher to 6k higher than the previous which was 2k lower but I was 91% paid off and have been watching the trend all summer. Then 5 months into at 69%, they sent an offer 😆 no I passed.
