Comments on: Learn Your Rights, Fight Erroneous Credit Reporting http://www.azmortgageguru.com/learn-your-rights-fight-erroneous-credit-reporting/ Mon, 20 Jun 2011 00:09:25 +0000 hourly 1 http://wordpress.org/?v=3.2 By: kay http://www.azmortgageguru.com/learn-your-rights-fight-erroneous-credit-reporting/comment-page-1/#comment-3415 kay Sat, 07 Nov 2009 19:29:53 +0000 http://www.azmortgageguru.com/learn-your-rights-fight-erroneous-credit-reporting/#comment-3415 CONT... MY GROSS INCOME IS $4700 AND I DON'T OWE A LOT MY MONTHLY BILL IS $250.00 THE REST IS FOR HOUSING AND NECESSITIES. MY CREDIT SCORE PRIOR TO THESE MESS WAS 636 AND IT WENT DOWN TO 565.UNBELIEEEEEEVABLE??????????? IF ANYONE CAN ASSIST ME WITH MY PROBLEM, I WILL PROVIDE MY PHONE OR EMAIL ME AT k.kelly1024@yahoo.com thank you everyone CONT…
MY GROSS INCOME IS $4700 AND I DON’T OWE A LOT MY MONTHLY BILL IS $250.00 THE REST IS FOR HOUSING AND NECESSITIES. MY CREDIT SCORE PRIOR TO THESE MESS WAS 636 AND IT WENT DOWN TO 565.UNBELIEEEEEEVABLE???????????
IF ANYONE CAN ASSIST ME WITH MY PROBLEM, I WILL PROVIDE MY PHONE OR EMAIL ME AT k.kelly1024@yahoo.com
thank you everyone

]]> By: kay http://www.azmortgageguru.com/learn-your-rights-fight-erroneous-credit-reporting/comment-page-1/#comment-3414 kay Sat, 07 Nov 2009 19:20:23 +0000 http://www.azmortgageguru.com/learn-your-rights-fight-erroneous-credit-reporting/#comment-3414 3 months ago i got pre-approved on a VA loan and started looking for a house in Murrieta, Temecula and Lake Elsinore. after 2.5 months of looking, i offered on over 50 houses that are on short sale and foreclosures. I looked at properties most days of the week non-stop. I currently live in Orange County, if you can just imagine the time involved of finding an affordable home for my family. I am a Combat Instructor in the Marine Corps and trying to take advantage of the tax credit available to first time homeowners and it is financially a wise decision for me right now. I get turned down or outbid by most of my offers. Finally i got ashort sale acceptance on 09/30/09 and immediately opened escrow that supposed to close on 10/30/09. But low and behold, my lender called me and said that i can't qualify anymore. My creditors recently put negative remarks against my credit and it totally negatively impacted my credit score. A jewelry store, i was in good standing since i opened my account and paid them several days prior to my due date and Paid them off in july. instead of them reporting "CURRENT/PAID", they reported..."DELINQUENT/CHARGE-OFF"! HOW REDICULOUS! ANOTHER CREDIT CARD COMPANY WHICH I ALSO WAS IN GOOD STANDING PAID IT OFF IN SEPTEMBER, ALSO REPORTED "DELINQUENT". LASTLY, I CANCELLED MY COX CABLE ON 04/13/09, RECEIVED MY FINAL BILL DATED 05/03/09 AND FINAL BILL DUE DATE IS 05/18/09, INSTEAD OF ME PAYING THEM ON THE DUE DATE, I GOT A LETTER FROM CREDIT CONTROL CORP DEMANDING OF COLLECTION PAYMENT! THIS MEANS... COX MUST HAVE SENT THE COLLECTION WAY PRIOR TO MY DUE DATE. I CALLED COLLECTION AGENCY THAT IT IS A MISTAKE.. THEY SAID THEY CAN ONLY COLLECT PAYMENT THAT I HAVE TO DISPUTE IT WITH COX AND EVEN IF IT IS PAID IT WILL STILL BE REPORTED TO THE 3 CREDIT BUREAUS BECAUSE IT IS ALREADY IN COLLECTION, WHICH THEY DID REPORT! I ASKED COX AS TO WHY THEY SENT MY ACCOUNT TO COLLECTION PRIOR TO DUE DATE AND IT'S NOT EVEN LATE YET FROM THE DUE DATE, THEY SAID WHEN YOU CANCEL YOUR SERVICE, PAYMENT IS DUE AFTER 7 DAYS. HOW THE HECK WILL I POSSIBLY KNOW THEIR RULE AND POLICY? THIS IS THE SECOND TIME COX SENT MY BILL TO COLLECTION. wHEN I GOT TRANSFERRED LAST YEAR, I ASK THEM TO CANCEL MY SERVICE AND TO OPEN A NEW SERVICE TO MY NEW ADDRESSI. WHEN I PULLED MY CREDIT REPORT SEVERAL MONTHS AGO, I FOUND OUT THAT I HAVE UNPAID DEBT WITH COX AND SENT TO CREDIT CONTROL COPR AS WELL. I IMMEDIATELY PAID IT OFFF. I ASSUMED THAT THEY WOULD'VE SENT MY BILL TO MY NEW ADDRESS BUT THEY DIDN'T. THEY SAID I DIDN'T HAVE A FORWARDIG ADDRESS BUT I SAID.. I ASK ONE OF YOUR REPS TO OPEN A NEW SERVICE TO MY NEW ADDRESS, HOW CAN YOU NOT HAVE MY NEW ADDRESS IF YOU OPENED A NEW SERVICE?(ANYHOW, NO MATTER HOW I ARGUED WITH THEM, THE DAMAGED IS DONE AND I CAN'T REVERSE THAT REMARK THEY PUT AGAINST ME). I AM IN THE MILITARY, I GET TRANSFERRED EVERYTIME, IS THIS MEAN I AM SCREWED? THIS IS UNFAIR. A LOT OF TIMES WE GET MOMENTS NOTICE TO TRANSFER NEW UNIT OR DUTY STATION AND I ABSOLUTELY HAVE NO CONTROL OF IT! CAN SOMEONE HELP ME FIGHT THIS ABUSIVE CREDITORS? I'M SOOO FURIOUS!! I ASK FOR AN EXTENSION TO CLOSE ESCROW TIL 11/30/09 TO FIX THE TERRIBLE MISTAKES OF MY CREDITORS BUT I AM AFRAID IT WILL NOT GET FIXED IN TIME AND I AM IN JEOPARDY OF LOSING THE HOUSE I'M BUYING THAT I WORKED SO HARD FOR! I HAVE SPENT MONIES IN INSPECTIONS AND MORE THAN LIKELY FINANCIALLY OF SOME SORT WITH ESCROW IF THE DEAL FALLS THRU THE CRACKS. I'M FRUSTRATED... I NEED HELP. MY VA LOAN WILL NOT GO THRU IF THIS MESS DOESN'T GET FIX IMMEDIATEKT. MY LENDER ASKED IF I HAVE 7K FOR A DOWN PAYMENT ON AN FHA LOAN BUT I DON'T. I CERTAINLY DON'T HAVE THE MEANS TO HIRE AN ATTORNEY TO HELP MY SITUATION, IF I COULD I WOULD! ANY SENSE OR TWO I CAN GET I'D APPRECIATE IT! GOD BLESS...JMI USMC 3 months ago i got pre-approved on a VA loan and started looking for a house in Murrieta, Temecula and Lake Elsinore. after 2.5 months of looking, i offered on over 50 houses that are on short sale and foreclosures. I looked at properties most days of the week non-stop. I currently live in Orange County, if you can just imagine the time involved of finding an affordable home for my family. I am a Combat Instructor in the Marine Corps and trying to take advantage of the tax credit available to first time homeowners and it is financially a wise decision for me right now. I get turned down or outbid by most of my offers. Finally i got ashort sale acceptance on 09/30/09 and immediately opened escrow that supposed to close on 10/30/09. But low and behold, my lender called me and said that i can’t qualify anymore. My creditors recently put negative remarks against my credit and it totally negatively impacted my credit score. A jewelry store, i was in good standing since i opened my account and paid them several days prior to my due date and Paid them off in july. instead of them reporting “CURRENT/PAID”, they reported…”DELINQUENT/CHARGE-OFF”! HOW REDICULOUS! ANOTHER CREDIT CARD COMPANY WHICH I ALSO WAS IN GOOD STANDING PAID IT OFF IN SEPTEMBER, ALSO REPORTED “DELINQUENT”. LASTLY, I CANCELLED MY COX CABLE ON 04/13/09, RECEIVED MY FINAL BILL DATED 05/03/09 AND FINAL BILL DUE DATE IS 05/18/09, INSTEAD OF ME PAYING THEM ON THE DUE DATE, I GOT A LETTER FROM CREDIT CONTROL CORP DEMANDING OF COLLECTION PAYMENT! THIS MEANS… COX MUST HAVE SENT THE COLLECTION WAY PRIOR TO MY DUE DATE. I CALLED COLLECTION AGENCY THAT IT IS A MISTAKE.. THEY SAID THEY CAN ONLY COLLECT PAYMENT THAT I HAVE TO DISPUTE IT WITH COX AND EVEN IF IT IS PAID IT WILL STILL BE REPORTED TO THE 3 CREDIT BUREAUS BECAUSE IT IS ALREADY IN COLLECTION, WHICH THEY DID REPORT! I ASKED COX AS TO WHY THEY SENT MY ACCOUNT TO COLLECTION PRIOR TO DUE DATE AND IT’S NOT EVEN LATE YET FROM THE DUE DATE, THEY SAID WHEN YOU CANCEL YOUR SERVICE, PAYMENT IS DUE AFTER 7 DAYS. HOW THE HECK WILL I POSSIBLY KNOW THEIR RULE AND POLICY? THIS IS THE SECOND TIME COX SENT MY BILL TO COLLECTION. wHEN I GOT TRANSFERRED LAST YEAR, I ASK THEM TO CANCEL MY SERVICE AND TO OPEN A NEW SERVICE TO MY NEW ADDRESSI. WHEN I PULLED MY CREDIT REPORT SEVERAL MONTHS AGO, I FOUND OUT THAT I HAVE UNPAID DEBT WITH COX AND SENT TO CREDIT CONTROL COPR AS WELL. I IMMEDIATELY PAID IT OFFF. I ASSUMED THAT THEY WOULD’VE SENT MY BILL TO MY NEW ADDRESS BUT THEY DIDN’T. THEY SAID I DIDN’T HAVE A FORWARDIG ADDRESS BUT I SAID.. I ASK ONE OF YOUR REPS TO OPEN A NEW SERVICE TO MY NEW ADDRESS, HOW CAN YOU NOT HAVE MY NEW ADDRESS IF YOU OPENED A NEW SERVICE?(ANYHOW, NO MATTER HOW I ARGUED WITH THEM, THE DAMAGED IS DONE AND I CAN’T REVERSE THAT REMARK THEY PUT AGAINST ME). I AM IN THE MILITARY, I GET TRANSFERRED EVERYTIME, IS THIS MEAN I AM SCREWED? THIS IS UNFAIR. A LOT OF TIMES WE GET MOMENTS NOTICE TO TRANSFER NEW UNIT OR DUTY STATION AND I ABSOLUTELY HAVE NO CONTROL OF IT! CAN SOMEONE HELP ME FIGHT THIS ABUSIVE CREDITORS? I’M SOOO FURIOUS!! I ASK FOR AN EXTENSION TO CLOSE ESCROW TIL 11/30/09 TO FIX THE TERRIBLE MISTAKES OF MY CREDITORS BUT I AM AFRAID IT WILL NOT GET FIXED IN TIME AND I AM IN JEOPARDY OF LOSING THE HOUSE I’M BUYING THAT I WORKED SO HARD FOR! I HAVE SPENT MONIES IN INSPECTIONS AND MORE THAN LIKELY FINANCIALLY OF SOME SORT WITH ESCROW IF THE DEAL FALLS THRU THE CRACKS. I’M FRUSTRATED… I NEED HELP. MY VA LOAN WILL NOT GO THRU IF THIS MESS DOESN’T GET FIX IMMEDIATEKT. MY LENDER ASKED IF I HAVE 7K FOR A DOWN PAYMENT ON AN FHA LOAN BUT I DON’T.
I CERTAINLY DON’T HAVE THE MEANS TO HIRE AN ATTORNEY TO HELP MY SITUATION, IF I COULD I WOULD! ANY SENSE OR TWO I CAN GET I’D APPRECIATE IT!
GOD BLESS…JMI USMC

]]> By: Arizona Mortgage Guru » Errors on Credit Report Can Cost You a Boat Load http://www.azmortgageguru.com/learn-your-rights-fight-erroneous-credit-reporting/comment-page-1/#comment-1553 Arizona Mortgage Guru » Errors on Credit Report Can Cost You a Boat Load Tue, 19 Feb 2008 20:13:02 +0000 http://www.azmortgageguru.com/learn-your-rights-fight-erroneous-credit-reporting/#comment-1553 [...] Learn Your Rights, Fight Erroneous Credit Reporting [...] [...] Learn Your Rights, Fight Erroneous Credit Reporting [...]

]]> By: Arizona Mortgage Guru » Blog Archive » How to Protect Your Credit Score When Your Loan is Sold http://www.azmortgageguru.com/learn-your-rights-fight-erroneous-credit-reporting/comment-page-1/#comment-681 Arizona Mortgage Guru » Blog Archive » How to Protect Your Credit Score When Your Loan is Sold Fri, 28 Sep 2007 14:01:19 +0000 http://www.azmortgageguru.com/learn-your-rights-fight-erroneous-credit-reporting/#comment-681 [...] that a late payment was reported to the credit bureau during the loan transfer, or they were erroneously charged late fees. The result of the late payment of course is your credit score suffers. Then it becomes [...] [...] that a late payment was reported to the credit bureau during the loan transfer, or they were erroneously charged late fees. The result of the late payment of course is your credit score suffers. Then it becomes [...]

]]> By: Real Estate » Learn Your Rights, Fight Erroneous Credit Reporting http://www.azmortgageguru.com/learn-your-rights-fight-erroneous-credit-reporting/comment-page-1/#comment-635 Real Estate » Learn Your Rights, Fight Erroneous Credit Reporting Fri, 21 Sep 2007 08:53:46 +0000 http://www.azmortgageguru.com/learn-your-rights-fight-erroneous-credit-reporting/#comment-635 [...] Mr.Mortgage wrote an interesting post today onHere’s a quick excerptWhen I check credit as part of the mortgage application process I always review the report with the client. I do this because I have found credit reports to be notoriously inaccurate. I know Congress passed a bill a few years ago to … [...] [...] Mr.Mortgage wrote an interesting post today onHere’s a quick excerptWhen I check credit as part of the mortgage application process I always review the report with the client. I do this because I have found credit reports to be notoriously inaccurate. I know Congress passed a bill a few years ago to … [...]

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