smittye7 Posted April 10, 2009 Report Share Posted April 10, 2009 Ok...I stumbled onto this site and there is a lot of good info in the forums. I am in the works to talk to Exxxxn with out a lawyer to try to come to a compensation resolution. I am in search of actually compensation packets to see the ballbark figure could be. If they don't like what I present them there are many lawyers beating down my door to take this case. I will give you some notes on it...then let me know what you think about amounts or what my step should be! Wife is refianancing the home solely in her name. Thanks!-Notified by the wife we could not jointly refinance our house due to my credit report. So we were unable to lock in 4.38% mortgage rate at that time.-Obtained copy of credit report from Mortgage Bank. I have 4 mortgages, 6 cars and more than several credit card accounts on my credit report that are not mine.-Reviewed credit report over lunch and found a phone number to another Todd Smith (217-741-xxxx) that lives in Vxxx, IL on my credit report due to his credit lock being on my credit report. Talked to him about meeting to review and confirm his credit on my report. There are 4 DOBs on my credit report.-Had to refinance our Tahoe in my name from the advice of the lender to free up money so the wife could refinance the mortgage solely in her name. A higher interest rate is now on my Tahoe than what I previously was paying. Security Bank only ran a TransUnion report which had some issues but gave me a good enough credit score to be able to refinance the Tahoe.CONCLUSION:-Personally conducted a review of my credit report and found that 90% of the errors / merging were from Exxxxn. 77 accounts from Exxxxxn have been deleted off of my credit report. Before all deletions my score was from the range of 699-724 due to serious delinquencies, proportion of balances to credit limits too high on revolving accounts, too many consumer finance company accounts, length of time revolving accounts have been, too many accounts with balances and too many inquiries last 12 months. I had 4 mortgages, 6 cars and more than several credit card accounts on my credit report that weren’t mine. There were 4 DOBs on my credit report. There were 4 addresses showing on my credit report but of course were not mine. My debt to income ratio is over 500%! Link to comment Share on other sites More sharing options...
smittye7 Posted April 10, 2009 Author Report Share Posted April 10, 2009 Wife just went through this 2 years a go and it was fixed but she never went after any compensation. Thought about having the two of us together in a lawsuit. Only found out about hers due to creditors calling the house saying we owed them money. Most of the accounts were in colections and none of them were my wife! Pot gets thicker!!!! Link to comment Share on other sites More sharing options...
nascar Posted April 10, 2009 Report Share Posted April 10, 2009 Before all deletions my score was from the range of 699-724 due to serious delinquencies, proportion of balances to credit limits too high on revolving accounts, too many consumer finance company accounts, length of time revolving accounts have been, too many accounts with balances and too many inquiries last 12 months. ... Folks, I think he's just revealed the secret to 700+ credit scores! Link to comment Share on other sites More sharing options...
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