Can I pull my own RMCR?

[dasani08810]

Is there a site that will give me what my lender will see in a title search? I have all three of my reports; but, I've been reading that more info may pop up in a title search. My loan amount will be about $275K.

Reason being is that I have had some judgements from 1991 and 1998. Also had a forclosure in 1992. I would like to see exactly what I'm dealing with and want no suprises when I go to closing in a few months.

The only outstanding judgement is for $900 from 8/98; and it was filed in Virginia. That I just found out about and it's only showing up on EQ. I moved in 1997 from Virginia to New Jersey and I've already checked the laws in VIrginia about "proper service". Apparantly in Virginia, all the court has to do is throw the summons on the sidewalk and it's considered "proper service". So, an attempt to vacate will probably be moot.

Another question: What is required information on a judgement being reported on my CR? The only things that show are: The court, case# and amount. The amount on the CR differs from the court record by around $100 (shows less on the CR). The plaintiff doesn't show and neither does the status. The thing is, I just disputed this information and it came back "verified". How could it have been "verified" at the wrong amount and still no status?

Thanks

[amortgageman]

Again, let me stress the fact......... When you are purchasing a home, rarely will a judgment affect title. You do not own the home yet!

In the mortgage industry, if there is a judgment, then you should check the little box on the application in the declarations section of the application. Not doing so is a fraudulent application. At the bottom of the application, you sign an Acknowledgement and Agreement, that states to the best of your knowledge, all information on the application is accurate, and any intentional or negligent information is subject to criminal penalties and/or civil liability, including monetary restitution to the lender, fines, and/or imprisonmnet.

Gee, the loan officer also signs this too, and I do not think there are many of us who would risk a 5 year prison sentence for a fraudulent loan application. Our liability ends with the credit report and the consumer disclosing all information to the best of their knowledge. For instance, I always ask about other debts that the borrower may have that may not be included on the credit report. Does the borrower have the obligation to pay child support, etc. Also, when documents are sent, a letter is attached to ask them to carefully review the information that is already on the application and correct any wrong information.

As far as your credit report, though, I think that the missing information should be there. A couple of the bureaus think it is nice to not include status dates, and all 27? information points on your credit report should be correct information.