| Message |
Author |
 Posted: Thu May 29, 2008 8:08 pm Subject: discrepancy with a foreclosure on credit report |
|
|
My husband has a foreclosure on his account. We were trying to find out the date that the house went into foreclosure and I called the mortgage company. They indicated that they could not find my husband's account by the account number, his social security or the address of the location. They then told me to try their mitigation department. Same thing. They couldn't find his account by the 3 different methods (address, social or account #). I am tempted to dispute this on my husband's credit report. Any suggestions?
|
|
prestonshelle
Joined: 20 May 2008
Posts: 5
Debtcc Points: 134
|
|
|
| Posted: Thu May 29, 2008 8:32 pm Subject: |
|
|
I defintely would dispute this item. It sounds as if he has a good chance of having this information removed off of his credit report. Once the credit bureaus submit these disputes those mortgage co's will have to do a little more research in this matter. Good luck
|
|
ladybug
Joined: 29 May 2007
Posts: 2759
Debtcc Points: 24754
|
|
|
| Posted: Fri May 30, 2008 12:34 am Subject: |
|
|
Sounds to me a very good opportunity to give your credit report a fresh new look. Pull out a report form the bureaus to see if the entry is still there or not. Then dispute it with the reporting agency. They will drop the entry if they can't validate it. According to the FCRA (fair credit reporting act)the bureau has only 30 days time to verify the account with the original creditor, and, if the creditor can't justify the account within this time frame, the entry then fall-off form your report automatically.
|
|
tweetyturner
Joined: 11 Mar 2008
Posts: 279
Debtcc Points: 3264
|
|
|
| Posted: Fri May 30, 2008 4:23 am Subject: |
|
|
Dispute as incomplete. Maybe it will be promptly verified, maybe it will fall off temporarily, maybe it will never appear again.
_________________
The only people with whom you should try to get even are those who have helped you.
-John E. Southard
|
|
Morningstar
Moderator
Joined: 06 Feb 2007
Posts: 1651
Debtcc Points: 10700
|
|
|
| Posted: Fri May 30, 2008 5:38 am Subject: |
|
|
I disputed it online with Experian. Overnight they came back with a result of it being a valid claim of foreclosure. UGH! The mortgage company still can't find the information. I am going to call Experian and tell them that the mortgage company can't find it and ask how they verified it. Any other suggestions?
_________________
Register today to cash in debtcc points.
|
|
Stephanie B
Guest
Debtcc Points: 100
|
|
|
|
cajunbulldog
Moderator
Joined: 20 Dec 2006
Posts: 4875
Debtcc Points: 37803
|
|
|
