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Recent FCRA questions
I rented a house in 2012-2013 with my boyfriend at the time.
I rented a house in 2012-2013 with my boyfriend at the time. we broke up and I moved out and I never signed the new lease and another company took over management of the property. I have been to court for late rent and have told them I never signed the lease and that I moved out. They still keep my name on the lease and I have been going back and forth with them about taking my name off. they even put it into collections and I showed the collection agent the court papers showing that because they did not repair the house like they should, but now it is on my credit report and I want to sue. Can I?
I had a 2nd Mortgage with Washington Mutual, I was a self employee
I had a 2nd Mortgage with Washington Mutual, I was a self employee and my 2nd mortgage goes in default and I get a judgement which I pay off the 2nd mortgage. My credit report read as I still owed that money and I have documents from court that shows that I pay off. But the credit report agencies do not correct the situation. I do not know where to go to clear the information, due the Washington mutual was acquire by chase. Could you help?
My wife and I bought our home in 2012, and in 2013 she was
My wife and I bought our home in 2012, and in 2013 she was forced to file bankruptcy due to her former employer's cutting all manager salaries by 50%. She did not reaffirm because her attorney said reaffirmations on real estate are seldom done--but she did sign a letter of intent. The mortgage loan was sold in September of last year by Cenlar to PennyMac without us being told it was being done. PennyMac has not reported one single payment to any credit bureau--I understand they cannot under my wife's name, but I was not part of the bankruptcy, which I explained to PennyMac. In April, 2015, I received a letter from PennyMac stating they will report the on-time mortgage payments effective with December 2014 for November and subsequent payments. To date we have no payments reported to any credit bureau, and CBCINNOVIS is saying our refi may not be approved. What recourse do we have?
PennyMac is reporting a foreclosure when we actually did a
PennyMac is reporting a foreclosure when we actually did a short sale of the property. We have contacted PennyManc to ask for a correction to our credit reporting and they stated that they have updated the comments section (we have yet to see this update but have received a letter to that affect) but they state that they refuse to change the coding from foreclosure to shortsale because they have "processed things as required by law"Question: this has blocked our ability to get a home loan through the lender we are currently working with. Do we have any recourse? Is it possible to compel them to change the coding?Thank you
Counselor at Law
Do you think if my husband's debt if uncollectable because
Do you think if my husband's debt if uncollectable because he is on permanent disability and the homestead exemption is 150,000.00 in Suffolk county ny that he should write the creditors, who most likely are not the proper party to sue, and tell them he has no non exempt assets or income in addition to asking them for a validation of debt?
4 months ago I was verbally told that my re-fi /cash out
4 months ago I was verbally told that my re-fi /cash out loan was denied by the bank's underwriters. (I did qualify for the straight refi, but I wanted a cashout). The Mortgage Broker could not seem to tell me WHY I was denied. Credit score was good, househad almost double the equity needed for the cash back I was looking for. Income was good and there is a lot of cash in my bank account (More that the loan amount and the same bank I was trying to get the loan through and it is a major bank). Since then bank'srep I was dealing with has left. His boss has NOT returned my calls. I have NEVER received a denial letter. I even e-mailed, called and sent letters to the bank and the corporate office for a response. I have received NOTHING. Recently they called me to askif I would like to refi. I explained the situation. I said it made no sense to do this all over again if I am only to get rejected again. I asked for them to once again check on WHY I was denied so I can fix the problem whatever it might be before proceeding.It has been a MONTH and once again... No response. Question: They have pulled my credit report at least 3 times (which reduces my score) and I have received NO service. I have never received a denial letter or given any reason why I was denied. could it bemy age (I am 57 and a new loan would take me to 87) What are my options? Can I sue for damages? The Bank branch I was dealing with is in Florida, but my home is in VT.
I reside in Massachusetts. I worked with a loan officer
I reside in Massachusetts.I worked with a loan officer from lender A back in 2011 when purchasing my first home. I reached out several months ago to the same loan officer who is now employed at lender B about potential refinance options. I received a notification of a hard inquiry on my credit report. My credit had been pulled from lender B's third party credit services company. Additionally I received notification from UPS that they tried to deliver a package from lender B three times and was later returned to lender B. I had contacted the loan officer and explained that I was unaware that my credit was going to pulled. He said he only put a proposal together and not worry about the documents. I contacted the credit services company to dispute the credit inquiry and get it removed from my report.The credit services company contacted lender B to verify the dipute. The loan officer contacted me to say he would withdraw the credit pull and that someone from his office would be in contact with me. I received a call from someone claining to be the loan officer's manager acknowledging the misconduct and said he'd work with the credit service company to get the inquiry removed. I have confrimation that the manager has infact been in contact directly with the credit services company.It turns out this loan officer had, without my knowledge or consent, used my personal information (including SSN, employment and financial information) from my 2011 lender A loan application to not only pull my credit, but also submitted a loan application through lender B using this old information. The man claiming to be the loan officer's manager is not his direct manager, but is from a different lender B sales office location and is also a longtime former business partner of the loan officer at lender A. (I feel this is a huge conflict of interest and inappropriate for him to handling this matter.) The incidient was not reported formally to lender B's corporate until I called their corporate compliance department directly several days later. The CEO of lender B had been in contact with me. He offered to do anything to correct the situation said they were not going to report or fire the loan officer. I got the sense he didn't want me to report anything. After thrity minutes over the phone, he was shocked to learn that my personal information was pulled from the lender A 2011 loan appliction. He was under the impression that I had already been a client of lender B and old information from their system was used to pull my creidt and submit a new application. He was shocked to learn that I was never a client of his company and immediately said he has a "rogue loan officer" and is not liable. He stated that he needed to talk to his legal team, that he would have fire the loan officer, file a complaint and that I will need to file a compliant. He said he'd get back to me in 24 hours. That was nearly two days ago.The only action I've taken at this point is contact the credit services company and advise that I do not want any information concerning this matter to be discussed with anyone outside of the lender B's corporate office.Is this mortgage fraud, mail fraud, identify theft, invasion of privacy, security breach from lender A, negligence from lender B once this was addressed (attempt by individuals outside of their corporate office to cover up the indicent)?I'm unsure what course of action I should pursue... file complaints with the state against lender A, lender B and the loan officer? Or hire an attorney to pursue a lawsuits?Thank you in advance for any insight into this matter.
To Whom It Concern...Virginia Housing Development
To Whom It Concern... Virginia Housing Development Association, has Fraudulent Reported Supporting Loan Documentation, on my Mortgage, loan account, for so called loan late fees/charges. I had call VHDA, only to be told I owe a balance of $899.32 in late charges, after speaking to one of VHDA female collection representatives, in February on or around the 15 to 20 of this same month. I had receiving an alert from my credit report in mid February 2014 which was send to my email account, asking for me to view my credit report, due to my credit scores being change, only to find out the reason was, due to falsify discrepancies, reported on my credit report of not paying VHDA for over 30 days of Mortgage payment. This deed was reported to my credit report, due to late charges accumulated on my mortgage payment without any knowledge’s of these accumulated late fee charges. I was told by VHDA female representative, whom I spoke to via phone that I owe VHDA, over $200.00 in mortgage payments, which VHDA claim I had fell short on and also owe over $500.00 in late charges for a VA loan, due to military affiliations. I had paid these so called fee which came to a total of $899.32 to VHDA through a bank draft from my checking account on 21 February, 2014 for $899.32. VHAD is now still reporting on my account that I still owe them over $500.00 in late charges after receiving these fund on February 21 2014, and it is now August 27 2014. Also VHDA had also reported to the credit bureau that I was 30 days late on payment for my mortgage in February after receiving Mortgage payments for the months of December, 31 2013, for January, 1st 20014 and also another payment on January 31, February 14, and then again the late fees February 21 2014 for $899.32. This Payment for these so called late charges of $899.32, which was also paid in full after speaking to this female representative in mid-February in the collection department of VDHA who stated to me via phone these late fee owe. I do need a lawyer to looking into these fraudulent reports being made against me while my payments made to VHDA was never register or recorded as being paid and received in full from my checking account by VHDA, while reporting this to my credit report and causing my credit scores to dropped over 100 points in the month of February while receiving my payments and reporting fraudulent information to my account as not being paid up to this moment in time...... I need to know if my legal right where violated and if I can sue for these falsify information while my money received is documented as not paid to VHDA, for my VA military service loan? Sharon W. XXXXXX
I had a foreclosure 8 years ago. There was a first mortgageView more real estate law questions
I had a foreclosure 8 years ago. There was a first mortgage and a second. The bank that held the second was listed on my credit report for 7 years and then it disappeared and has not been on my credit report for almost a year. I just received a notice from a different servicer stating they purchased the 2nd and are looking for payment. Is this valid?