04-10-2013 02:00 PM
I am so frustrated right now I do not know what to do my lender just called me and stated we can not proceed with the loan unless I get consumer disputes off of the only collection acct I have with equifax... I called equifax they refused to remove the comments I called the OC they said it can take up to 30-45 days which I do not have I am supposed to close at the end of the month this account is suppose to fall off my credit report at the end of May I even offer to pay for deletion they refused. I filed complaints with whomever I could. I do not know why they are even looking at an old collection acct i've disputed ages ago
04-10-2013 02:18 PM
04-10-2013 09:01 PM
It's standard procedure, every lender will require all disputes to be resolved before closing. I'd be furious with your loan officer for not catching this. Certainly attempt a pay for delete with the recent CO's. Even if it doesn't affect your loan it's still going to kill you score and credit for another six years. Make that a priority.
04-10-2013 09:59 PM
Im going to try to call them tomorrow again they may not work with me since I filed a complaint with whatever office I could to try to get the comments removed it just stinks because that is the only neg account I have reporting on my credit file and its going to be on there until the end of May but if we do not close at the end of this month I will have no place to live and I wonder how long it will take them to update the pfd they do not have a problem putting in on your CR right away but try to get something off....
04-11-2013 12:00 PM
Update on Equifax removing my consumer disputes I filed complaints against them through the FTC, BBB, and the consumer financial protection bureau as of yesterday and today the comments were removed from my file.... They had no reason not to remove the comments and they have the ability to remove it they just did not wish to and I also filed complaints against the OC to the BBB and did a lot of praying
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.