I received a call today from my loan officer saying that the underwriter has given me a credit approval for $140k! I asked for the approval in writing and she stated that they had to verify an account on my credit report. The account is for a HBSC/Rooms To Go account that went deliquent and was charged off in '05. EQ is not reporting this charge off, therefore they are my highest score. TU is reporting it. The thing is EQ mortgage solutions left a message for me to call them back regarding the HBSC account. This is supposed to be a conference call between me, HBSC, and EQ. Has anyone ever heard of this? If so, what is going to happen on the call and how should I respond?
The account is definitely mine and I will not deny it but this is making me kind of nervous...
