flgirl Posted August 20, 2002 Report Share Posted August 20, 2002 I have been trying since last year to fix my husband's credit. I have used a lot of the information on this site and has helped me alot, thank you!Now the problem is I was not that lucky to get off the items I need to so, we were able to get our mortgage but had to pay off, a charge off and some collection accounts. Now I checked my husband's report only to see that his score has gone down since our mortgage is listed, He has a 580 score with experian and that is the higest, Equifax has a 573, and trans union I have not gotten yet, but they have always been lower anyway.But I have found so many errors on the report, that I have just had it trying to deal with these idot's! TransUnion has my mortgage listed twice since it was sold and they never removed one, Equifax has a charge off listed twice with two diffenct balances, I have been paying this monthly so it is hard to get off, they removed it but came back on when the company report it. Plus I have accounts that have been paid and are not marked. As the same with Experian, but He had a judgement that came off this month, and experian put it in to a listing that says accounts in good standing, then stating paid in settlemt with a amount that is wrong, and it says it is going to stay there until 2009, so I know it is that that they are trying to list.I really need some advice with this, I am at the point were I just want to take them all to court!.It seems that you just can't win at all. All this information really relfects on you and then to find out a lot is wrong.Iam sorry for the long post, and also for any spelling errors, I am so mad that I just don't know what to do.Thank you Link to comment Share on other sites More sharing options...
admin Posted August 20, 2002 Report Share Posted August 20, 2002 liferoots has been expressing the same frustration with her credit repair efforts.I would say that you just need to take things one at a time, one credit bureau at a time. For instance, you say a mortgage is being listed twice - was the info positive or negative on it. If positive, leave it on. If a mortgage gets sold it can be on twice that's legal. However, the new mortgage company can't report lates that the old one had. If this is happening to you, then you need to correct this.Just keep asking us questions about each account, you'll get there! Link to comment Share on other sites More sharing options...
smogtek Posted August 21, 2002 Report Share Posted August 21, 2002 Sometimes this whole effort can be very overwhelming.Many of us have put ourselves on a "fast track" to get a mortgage at competitive rates.You've got a mortgage and if you're not in a hurry to refi or do anyhting else that requires a higher FICO, you might want to do as "liferoots" is doing and admin suggested. Slow it down a bit and tackle 1 report or 1 item at a time that way you're not making yourself nuts.Just a suggestion. Link to comment Share on other sites More sharing options...
flgirl Posted August 21, 2002 Author Report Share Posted August 21, 2002 What I need to know is if I leave the two mortgage company's listed, isn't this lowering the score on TU, saying our credit limit is too high. Also is it aganist the law for Equafax to list the two charge off accounts with the same account number.Also the accounts that I paid off to get my mortgage how long should I wait before I should dispute these and try and get them deleated.Thanks Link to comment Share on other sites More sharing options...
smogtek Posted August 21, 2002 Report Share Posted August 21, 2002 You can validate the paid accounts anytime you want. Now's as good a time as any.As for the two chargeoffs with different amounts, try disputing one of them as "incorrect balance" or get a supervisor/manager on the line a try and make them understand that they are the SAME account reporting incorrectly.Now for the mortgages. Are they both positives? Any lates? How does the sold one read? If it shows "paid/paying as agreed" why fight it. I'm not sure how mortgages figure into FICO, but two may not be a bad thing.Any other inputs guys/gals? [Edit by smogtek on Tuesday, August 20, 2002 @ 08:50 PM] Link to comment Share on other sites More sharing options...
flgirl Posted August 21, 2002 Author Report Share Posted August 21, 2002 The mortgages are all showing paid as agreeded. But is it best to dispute this on line or send them a certifed letter. I have done it certifed but that can get expense, and I have been reading alot of people do it online.When I ask them to validate a paid account, do I tell them it is paid of just ask them to check it.and tell them to remove them.And as for the chargeoff account I have been paying this account montly, I disputed this before, and Equfax took it off, but the company keeps updating it with the new balance but never changed the charge off, and noted that it is being paid on a montly basis.There are also a couple of medical accounts, that I did not have to pay off to get the mortgage, I have tried to get them to validate them but the agencys told me they came back a verifed! Is it true all they have to do is match the SS #. I would pay them, but they don't even go to the person that they are owed to.Thanks for all your help Link to comment Share on other sites More sharing options...
Anonymous Posted August 23, 2002 Report Share Posted August 23, 2002 I was able to remove multiple listings for chargeoffs by disputing: duplicate, please delete, on each of them. They removed them, mine were paid and abt. six years old though. Link to comment Share on other sites More sharing options...
smogtek Posted August 24, 2002 Report Share Posted August 24, 2002 flgirl,It's my understanding that to "verify" they need to match 2 out of 3 items from name, address and SSN, but who's to say how they do it. What if they give the CA/OC the info and they say it matches or what if the CA/OC gives the CRA info and they say it matches.Sorry, I don't trust or believe any of them.I really believe at times it's nothing but a crapshoot or luck. Link to comment Share on other sites More sharing options...
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