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Regular Contributor
Posts: 157
Registered: ‎06-05-2007
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im looking to buy a home

i was just wondering why is it that they use the middle report? in my case its experian with a score of 620  comapred to my eq which is 740 is there any way a lender uses the best score?
Super Contributor
Posts: 8,195
Registered: ‎03-25-2007
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Re: im looking to buy a home

Presumably because the middle score is near the average score, whcih is really what they want.  And if you could persuade them to use the top score, they might try and use the bottom one, because that is just as valid.  Smiley Very Happy
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Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
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Re: im looking to buy a home

Regular Contributor
Posts: 157
Registered: ‎06-05-2007
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Re: im looking to buy a home

my bads are on transunion a fraud account which i have been disputing for 5 months due to identity theft  still having no luck and in fact just called them and hung up on the lady
 
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
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Re: im looking to buy a home



princeromeo wrote:
my bads are on transunion a fraud account which i have been disputing for 5 months due to identity theft  still having no luck and in fact just called them and hung up on the lady


Fraud account as in it ain't yours?
 
Regular Contributor
Posts: 157
Registered: ‎06-05-2007
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Re: im looking to buy a home

yes its not mine i cant belive this bs! i even sent them numerous lettlers and police reports and transuion is telling me that their verifing it as accurate how the hell is that possiable i never opened the account!
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
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Re: im looking to buy a home



princeromeo wrote:
yes its not mine i cant belive this bs! i even sent them numerous lettlers and police reports and transuion is telling me that their verifing it as accurate how the hell is that possiable i never opened the account!


Did you dispute online, over the phone, or in writing?
Regular Contributor
Posts: 157
Registered: ‎06-05-2007
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Re: im looking to buy a home

i did by phone and mail   on phone they tell me that the lender is verfying it as accurate and they cant do nothing by mail they claim they never recieved by reports
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
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Re: im looking to buy a home



princeromeo wrote:
i did by phone and mail   on phone they tell me that the lender is verfying it as accurate and they cant do nothing by mail they claim they never recieved by reports


This is TU, right? That's actually good. They put the full account # on their reports.
 
Do you have a printed copy of an actual TU report? Either mailed to you or printed from online.
 
First, try TU Special Handling: 800-860-7289
 
Tell 'em it's not yours, victim of ID theft and/or fraud, and you have a copy of the police report which you can mail or fax to them if needed.
 
They should open an dispute or investigation. These folks might be a little stiff or wooden, but they are the more knowledgeable and skilled staff. Give them the facts, and they will generally run with them.
 
If they do open a dispute or investigation, ask for a reference number or confirmation number associated with it. Might or might not provide it. Wait for that investigation to complete.
 
If Special Handling won't investigate, or the investigation doesn't remove it, here's your next step.
 
Dispute by mail. Send your letter CMRRR. Put a reference line at the top of the dispute letter with the CM number, like this:
USPS CERTIFIED MAIL xxxx xxxx xxxx xxxx xxxx
 
Save a copy of your letter, save the CM receipt, save the USPS receipt (it has the CM # on it), and save the RRR green card when it comes back to you.
 
Keep it simple.
 
"I pulled my TransUnion credit report, and I discovered this account on my report that is not mine. I believe I am a victim of fraud and possibly identity theft, and I am enclosing a copy of the police report.
 
Here is the account information, as it appears on my TransUnion report.
<Lender name>
<Lender address>
<Phone number, if provided>
<Full account number>
 
Please investigate and remove this account from my credit report in accordance with the FCRA."
 
Wait 45 days for that investigation to complete. If they don't send you an updated copy of your report at the conclusion of the investigation, then they are in violation of the FCRA and you can now sue. Lotta consumer lawyers like these sorta cases and many take them either pro bono or on contingency.
 
Regular Contributor
Posts: 157
Registered: ‎06-05-2007
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Re: im looking to buy a home

thats what i did today i sent them the package certified and will wait about  a month if nothing happens i iwll talk to a lawyer thanks so much for the information
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