Bailey3017 Posted April 23, 2009 Report Share Posted April 23, 2009 Hello all, obviously I'm a newbie here, very glad I found this place as I am activly trying to repair my credit!I pulled a report from freecreditreport.com on the big 3 today to see what my mortgage company was reporting on all of them due to what was being reported on EX didn't look just right and saw the following info.EX shows the Acct. Status as closed. Pmt Status as Debt included in or discharged through BK CH13. (I did file CH13 in 10/2006, but has been paid and is in process of being closed) High Bal shows nothing.Balance shows 88,691Date Opened shows 10/1/2008EQ shows the Acct. Status as nothingPmt Status as At least 120 days or more than four pmts past dueHigh bal shows 90,000Balance shows 92,678Date Opened shows 10/1/2005TU shows Acct. Status as openPmt Status as Wage earner or similar planHigh bal shows 90,000Balance shows nothingDate opened shows 10/19/2005What should I do...this is screwing with my credit. They are reporting on my EQ report 120 days deliq from May 2007 to Jan 2009. It was showing OK in Feb, March and April of 2007....Jan of 2009 was the last time they reported anything...TU is showing nothing in the pmt hist. Link to comment Share on other sites More sharing options...
CreditFixCD Posted April 24, 2009 Report Share Posted April 24, 2009 What should I do...this is screwing with my credit.Dispute it with the credit bureaus. There are sample letters on this site. Link to comment Share on other sites More sharing options...
Bailey3017 Posted April 24, 2009 Author Report Share Posted April 24, 2009 Is there any type of action to take against the mortgage company or will the CB do that? This mortgage company is one of the reasons I had to go to CH13 BK in the first place, I am very unhappy with them and working to improve my credit to refi and get out from under this mess... Link to comment Share on other sites More sharing options...
Bailey3017 Posted May 13, 2009 Author Report Share Posted May 13, 2009 Alright, just a bit of an update on this whole messI sent out the disputes to BIG 3 with the sample letter provided on the site. Equifax is now reporting in dispute. It actually made my score go up quite a bit!Experian is still reporting pretty much the same info other than the payment history has changed. It is now reporting that I was 120 days late during the entire time of my 13 BKR...from what I've read that is completely wrong, correct?TU, as far as I know hasn't changed anything. I sent them all CMRRR and have gotten my green cards back showing all 3 got the letters.I also sent a letter to Homecomings (my mort company) wanting validation of everything on my account...the one that is provided on this site that is very, very detailed. It was sent CMRRR, they got it on Monday. Well see what happens. Last time I sent them a request for detailed info on my account that I got from my BKR Att. they sent me a payoff and crap back so we'll see what happens.If nothing gets fixed from this do I rinse and repeat of start looking at legal action? I'd like to refi and get away from this company and honestly don't want to wait another 30-60 days as my payments have gone up tremendously(lets just say I was a 1st time buyer that got famboozled into an ARM). Link to comment Share on other sites More sharing options...
Bailey3017 Posted May 17, 2009 Author Report Share Posted May 17, 2009 Okay so I got letters back from two of the BIG 3 TU said that some info was updated, I have to go to their web to get my updated report. Well see what it says. EQ was the other and they stated all info has been corrected as well but again well see...I honestly doubt it.I got the info back from Homecomings today that i had requested and to be honest it's a jumbled peice of crap that is really hard to understand but doesn't look correct at all and it shows they charged late fees while I was in bkr and other crazy fees that don't make sense. Not sure where i should go from here, any suggestions? Link to comment Share on other sites More sharing options...
ALVA Posted May 17, 2009 Report Share Posted May 17, 2009 Can you check with your BK attorney on how your mtg should be reported after chpt 13?If you know how it should be done, you can ask for the specific corrections. Link to comment Share on other sites More sharing options...
Bailey3017 Posted May 17, 2009 Author Report Share Posted May 17, 2009 I will on Monday since I've not gotten the info from Homecomings. Hopefully I'll get some good info from here, sometimes she's a big help, all others I want to strangle her. Link to comment Share on other sites More sharing options...
Bailey3017 Posted May 19, 2009 Author Report Share Posted May 19, 2009 So I sent my bkr attorney an email and this was the conversation...Me:"I have a few questions about my mortgage company. What were theyallowed to or supposed to report during my ch 13 BKR? They havereported on the payment history on some of the credit reporting agenciesthat during the entire or some of the time I was 120 days deliq, notthat i was under a payment plan. I finally got a specific breakdown offees that were charged and during the BKR they also charged late feesand some unexplainable fees. Also with Experian they are reporting theaccount as closed? I have done disputes with all three credit agenciesdue to each one had different info and some info has been updated onsome but not all. What is your thoughts....what should have been doneduring the BKR specifically."Her response:"You need to do exactly what you have done, which is dispute them withthe credit reporting agencies. Once you get your discharge, I will besending you a letter to sign and send to the credit bureau's too, but Icannot send out the letter until your discharge is granted.Also, once your discharge is granted, I will be filing a motion todeclare your mortgage current where the court will order the mortgage coto remove any late fees, attorney fees, etc. and I will send that orderto the mortgage company. Again, this is something I cannot file untilyour discharge is granted."Although I got a little info from her it really wasn't what I wanted. She's been known for uselessness in some cases. So I guess I will rinse and repeat with the BIG 3 and see what that gets me.I finally got a letter back from EX yesterday, they updated a few things but it still isn't correct. Lets get at it! Link to comment Share on other sites More sharing options...
Bailey3017 Posted June 9, 2009 Author Report Share Posted June 9, 2009 So I did the rinse and repeat about my mortgage with the BIG3 and got letters back saying they have already investigated this TL. Nothing else was done!I also sent some disputes on some TL that I had called the CA and they stated they did not have my records, those were removed! Also I sent some disputes on a Chase TL that I was an authorized user on from about 6 yrs back, they were deleted as well.My TU score went up but the rest went down after that? What gives? It's so frustrating sometimes...can anyone explain why a score would go down after negative TL w/balances unpaid are deleted? Link to comment Share on other sites More sharing options...
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