old mortgage question

[Anonymous]

 I have a old mortgage showing as well as oweing $53,669 as a charge off on my exp and tu reports but on my equifax it is showing paid off with a $0 balance.The house was re-sold I did a drive by today. Would it be wise to dispute it with the cra for a incorrect balance? Maybe even send a copy of my equifax report to the other cra's?  I just dont want to wake a sleeping dog if it wont do any good. The oc was conseco and I believe green tree purchased conseco. Here is the other part that might help,

On my equifax which list it as a $0 balance it is posted by green tree , it shows a last activity of june 2001

On my experian which list it as a $53,669 balance it is posted by green tree it show a last activity of sept 2003

But on my Transunion which it list as $53,669 it still shows Conseco , it also shows a last activity of sept 2003

$53,669 was all that I owed on the home when I left and it was re-sold . I just dont want to wake a sleeping dog if it wont do any good

Maybe I should be contacting green tree? send them a copy of the equifax report?

Again the house was re-sold, someone else is living in it, I did a drive by today

[DallasLoanGuy]

is this a foreclosure or short sell?

how old?

[Anonymous]

It was a manufactured home that was foreclosed on or repo'ed. I signed a release form that allowed them to re-sell the home. It isnt listed anywhere as such. It is listed on experian and transunion as a $53,669 charge off and on equifax as paid in full $0 balance. $53,669 was my balance when I left them home and it has since been re-sold.

It is about 5 years old, (2003)

All this is stated above maybe it is the way I stated it , I wasnt clear enough , if so I am sorry

Tom

[Anonymous]

been studying my experian account a little and just noticed some dates on this account showing that I was late on :

nov 07

may 06

apr 06

Mar 06

fab 06

jan 06

dec 05

nov 05

Look closely at the dates and read my post above again please

I havnt been in this house since 2003 and the home was re-sold

Something here just dont seem right to me

any help?

Message Edited by tom1468m on 07-20-2008 10:26 PM

[ShanetheMortgageMan]

I guess an important detail would be to find out how much the creditor (Greentree/Conseco) got for the home when it was re-sold... if they only got $20k and you owe $53,669, then perhaps the charge-off amount should be changed to $33,669 instead.  Hard to say exactly since this is a cross between a mortgage question and a question on how charge-offs should be treated once the collateral securing the debt was sold.  Technically I think it'd be more like an auto loan, since it appears that you probably owned the home itself but not the land underneath it.

[Anonymous]

Sorry I took so long to respond . You are exactly right it was a manufactured home within a park, I did not owe the land. As far as , how much it sold for , I Am not sure , I assumed it sold for the balace but cant be sure. I can be positive that I was never late all them times , as I havnt had the home since 2003.

If I remember right it was titled like a car