@stagefoursurvivor wrote:
About 4-5 years ago in the process of doing a refi, we found out Citi was reporting us late, 30, 60, 90 days unbeknownst to us which was interfering with the refi and find out that they had lost a check so, each subsequent mortgage payment was carried forward or not applied. We got out cancelled checks and showed that we weren't late or in arrears. We paid an attorney to dispute this with Citi and they agreed to correct everything.
Now, I find out they didn't correct the 30,60, 90 late that shows as derogatory despite being closed and paid off.
I don't want to go back to the attorney to re-open this dispute and pay him again!
Any suggestions?
In my opinion, your attorney didn't finish the job you paid him to do. He should have followed up on this at the time. I would remind him of that. You paid him, and he only did half the job.
Also, what happened to you is one of the reasons I encourage credit monitoring. If you had known from day one that Citimortgage had lost a check, you could have had this taken care of immediately....instead of now having a 30-60-90 plus all the expenses. Problems are more easily taken care of immediately after they happen than they are once they become ancient history. A lot of people see credit monitoring as simply for identity theft, and no one ever thinks it will happen to them. In real life, credit monitoring can catch all the things that can go wrong...either by our own mistakes or by one of our creditors.
