How do I correct these? Or can I?

[teo77777]

               Had a foreclosure in 09....TU shows it as Balance 0.....EXP and EQ show I owe 98,000. This house sold in 2010, I owe nada. Also had a repo at the same . Shows on all 3 reports twice. Once for 7900.00 on all 3 CRA's as what I owed when they repo'd , then a seperate listing with a different account number on all 3 for 798.00. Thats the difference owed after they sold the car. Is this correctable, or do I have to take the hickey twice? And one from HSBC for 420.00, also in 09. HSBC was bought out by Santander, and again, Santander and HSBC appear on all 3 CRA's with the same account number, and both report derogs. Again, fixable?? Or totally legal?

[Shogun]

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@teo77777 wrote:

               Had a foreclosure in 09....TU shows it as Balance 0.....EXP and EQ show I owe 98,000. This house sold in 2010, I owe nada. If the house sold for more or the same as what you owed, there should not be a balance on EX or EQ.  Also had a repo at the same . Shows on all 3 reports twice. Once for 7900.00 on all 3 CRA's as what I owed when they repo'd , then a seperate listing with a different account number on all 3 for 798.00. Thats the difference owed after they sold the car. Is this correctable, or do I have to take the hickey twice? And one from HSBC for 420.00, also in 09. HSBC was bought out by Santander, and again, Santander and HSBC appear on all 3 CRA's with the same account number, and both report derogs. Again, fixable?? Or totally legal?  Who is listing the repo, there is some serious misreporting here.  No, there can not be multiple listing for the same debt.  At the absolute most, there can only be 2 listings for a debt, one from the OC, and if there is a collection, one from the CA.  Santander and HSBC cannot be listing the same TL.  

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[teo77777]

     Thanks for the reply. Nuvell is the one listing the repo, AND the difference owed. 2 seperate derogs, 2 seperate account numbers, same car. SAME DOFD.As for the house, I dunno. I'd have to go to the courthouse to pull records for what it sold for. I did have PMI , but I'm not sure how that works, or if it helps in any way. In any event, 98,000 was what was left on my note when they took it. I doubt there is a balance owed, but if so, the statute on collecting the difference in Texas is 2 years, so they can't come at me. And yeah, Santander and HSBC are the same, and they are showing as accounts...not collections

[polno1234]

pmi works for the lender not you. you are paying the banks insurance policy on you incase you default in a genralized sense.

[teo77777]

                              Figured that. It's the double reporting issues that are concerning me. I actually received a check from Wells on the mortgage, so I gotta get those reporting as 0 bal