Here's my dilemma. I had a mortgage with a company from '02-'04 at which point I refinanced. There are 5x 30 day lates showing up on this account. Here's where the problem lies, the dates of the lates were in '01 before I even had a mortgage which is easily proven; in fact the house didn't even exist in '01. The lates occurred in '04 the reason I know this is because my area was hit with 4 major hurricanes that year and we suffered financially. I also requested the dates of lates from the mortgage company and they show 2004. I remember them telling me at the time not to worry since my area had been declared as a disaster zone that they wouldn't be reporting us late (no I don't have proof, it was all verbal).
Here are my questions:
- Should I pursue anything further?
- The account isn't schduled to fall off until 2011. If I send proof to the cras that I didnt have a mortgage in '01 would they contact the mortgage company?
- Lets say they do contact the mortgage company and they update my lates to 04, it's still will fall off in 2011 right?
- Is it hurting my score less that the lates are being reported in '01 and not '04?
I tried a GW but I got the usual, "we must report accurately blah blah blah."
