No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
@Anonymous wrote:We recently applied for a mortgage and were pre-approved with no problems. Our closing date is June 26th. The lending company now notified me a about a Public record on DW's EQ report that I disputed back in April with TU. This was successfully removed from TU due to mistaken identity for an eviction. Now for some reason the same Public Record shows up on her EQ report 1-2 days before the lender pulled our credit. We called the Local County Clerk House for more information on the Plantiff and they were able to provide us with a contact name and number given the Docket Number on her EQ credit report. It turns out that the Plantiff is not answering or returning our calls at all. We did a search on the name and number but it comes back as a residence here in TX. We were not properly served and did not recieve any letters about appearing in court.Since we are not getting any calls back from the plantiff to see if they can dismiss the Judgement at the courthouse I need to figure out what is the fastest way to provide the lender with some solid documentation from the court house.Can anyone help?Thanks
@Anonymous wrote:
@Anonymous wrote:We recently applied for a mortgage and were pre-approved with no problems. Our closing date is June 26th. The lending company now notified me a about a Public record on DW's EQ report that I disputed back in April with TU. This was successfully removed from TU due to mistaken identity for an eviction. Now for some reason the same Public Record shows up on her EQ report 1-2 days before the lender pulled our credit. We called the Local County Clerk House for more information on the Plantiff and they were able to provide us with a contact name and number given the Docket Number on her EQ credit report. It turns out that the Plantiff is not answering or returning our calls at all. We did a search on the name and number but it comes back as a residence here in TX. We were not properly served and did not recieve any letters about appearing in court.Since we are not getting any calls back from the plantiff to see if they can dismiss the Judgement at the courthouse I need to figure out what is the fastest way to provide the lender with some solid documentation from the court house.Can anyone help?Thanks
IS this your debt?
As to being properly served, what is your state? If you were not properly served (regardless of whether the debt is actually yours) you can have the judgment vacated. HOWEVER, if it IS your debt, having the judgment vacated means the plaintiff can sue you again at a later time.
If it is NOT your debt, dispute it with EQ ... you should be able to use as nominal proof (perhaps, no guarantee) old addresses (meaning, "proof" that you never lived in the property "you" were evicted from as you were living somewhere else), and/or utility bills for an address at the time of "eviction."
I really don't know (perhaps someone else here, would) who you would really dispute this with -- the CRAs or the court. I would try both. But FIRST, if the debt IS yours , look into proper serving procedure ... that could very well answer your problem in the shortest time.
Wonderin wrote:
Most mortgage lenders will do what's called a "Rapid Re-score" (you may have to pay for this -- it can cost around $200). Gather as much documentation, including the successful deletion off the other CRA, and give it to the underwriter/broker. If the documentation is good enough (ask for what WOULD be good enough -- they'll tell you -- remember, they are selling you a mortgage and WANT your business) it should pass muster via Rapid/R.
As for getting it vacated, much like disputing, it will take time ... you'd need to file a motion and have a hearing or court date. That would be whether it's on the basis of improper serving or inaccurate defendant (your wife).
Personally, I would ask the broker what to do ... perhaps even ask at the mortgage forum (ask for DallsLoanGuy or Shane -- they're brokers in RL, AFAIK, and can tell you what it would take to make the lender happy).
I really don't think that a wrong DOB would, in and of itself, vacate the judgment simply because a LOT of people give wrong DOBs -- and often, CRAs have wrong info on that, too. It's just not a reliable identifier, if you ask me.
Really ... ask at the mortgage forum (perhaps a mod might be kind enough to move this thread?) and ask for Dallas or Shane. NewWorldMan would be awesome in this situation, too!!
Wishing you oodles of luck!!!