Established Member
Posts: 49
Registered: ‎02-25-2013

Mortgage reporting from different companies covering same timespan

I don't know how else to describe it. lol I had a mortgage in 2010 that in the course of a year was sold 3 times. All 3 companies who owned it report the payments from the day it was opened until the day it was foreclosed on. I was wondering 1. If there's anything I can do about this. 2. Is it actually hurting my credit? From the last credit check I did I had a score in the 650 or so range and that was only a few months ago but having a bunch of 120+ days late on 3 accounts seems like it would drag things down.

The other thing is one of the two credit companies I checked has the loan at a $0 balance (collateral sold to satisfy loan) and the other has a $21,000 balance. I'm at my 3 year from the end of my right of redemption in Oct of this year and hope to get a mortgage before too long is there a way to fix this? Last time I tried to contact the CB about these things they told me to contact the company, but the company doesn't exist anymore.

FAKOS: TU 663 EX 668 EQ 685
Valued Contributor
Posts: 1,062
Registered: ‎05-26-2010

Re: Mortgage reporting from different companies covering same timespan

If the company doesn't exist any more and you dispute it, how will it be verified to the CRA?

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
Take the FICO Fitness Challenge

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+