Will I get a 1099-c or not, should I ask the bank?

[ktl72455]

Is it possible when they sold the house, they got enough and decided not to pursue the balance from me?  Nothing on the report indicates Sold or Transfered like a typical CO or Collection does.  I am tip toeing around this debt :-)

[guiness56]

All except TU who is showing Foreclosure Redeemed.  That would imply you paid it before the foreclosure was final.

EX still shows a balance though.

Anyway, yes, it is possible they got enough to pay off the debt and you owed nothing.

[ktl72455]

I am thinking the balance Showing is impacting my UTL and my scores along with all the other neg on that account but I am too chicken to inquire about it with them :-)

[guiness56]

It is but installment utilization is hardly any thing in the score.

Looking at it, it is probably an oversight on their part.  EX hasn't updated since 8/2009 and EQ and TU 2/2010.  That's 6 months difference.  I wonder when it started showing a 0 balance?

[ktl72455]

I just pulled MPM report from 1/3/13 and its the same way .  I just dont know what I should do with this one. Its obvious to us, its not being reported correctly but do I rock the boat and ask them to fix it? I didnt start credit repair until the end of 2012 so I am not sure.

[ktl72455]

Here is EQ from 12/4/12 And it has many errors. I pulled it from My Fico.

Look at DOLA which is correct. I was 30days past due in Dec 08 and let it go.  This shows I didnt defualt until Much later in 2009.

[guiness56]

Being it is a 3rd party report, I would go by the ones directly from the CRAs.

[ktl72455]

OK I will pull mine and see what it shows.

[ktl72455]

OK I got denied on a car loan so used my free credit pull :-) Here's from Experian website:

[guiness56]

They are still reporting a balance and haven't updated since 2009.

A fall off date of Jan 2016?  I guess that is close if you defaulted in Jun 2008.  It should be Dec 2015.

Does your state have anywhere to go look about foreclosures.  It is a PR.