Vanderbilt mortgage - wrong reporting

[Anonymous]

My report shows that my oldest report, is to new, the account is a Dr. bill, maybe two years old. However, My oldest account is 11 years, mortgage. I have had this account for 11 years and was never late until this year. I pay monthly to monitor my credit. Some my think I am obsessed with it. If I go so far to monitor all three Credit Company's. Why would I miss a house payment. I have spent the past few years paying off bills I knew nothing about. My sister had stole my credit and had two mailing addresses in my name. This is unbelievable but true. I was taking care of my brother who was dying, my mother had had a stroke, and was unable to help me, my sister was very ill as well, she has sense died. I am a single parent of two special needs children. I t was in April of 2007. I was so busy I couldn't even talk on the phone. one day I checked my mail and saw that I had an alert on my credit. when I checked it it was Vanderbilt mortgage. they had reported that I was never more than 2 payments late. My score went down 69 points. I new that I had never been late. I called them half crazy. The man laughed at me and said. I needed to get in touch with you and you wouldn't answer your phone. I knew you would contact me if you got alerted. He needed me to sign a form for my insurance because the Company's provider had changed. I was so angry. He went back in and changed it a few days later . They gave me back 11 points. Now a collection was put on my report and the company said it was an accident, they would fix it . It has been 5 weeks or so. It is still showing as a collection. I can not wait to see if I get my points they took back.

edited to insert new thread title

Message Edited by haulingthescoreup on 09-03-2008 03:56 AM

[haulingthescoreup]

benitaV, I'm not sure exactly what Vanderbilt mortgage did, but if they put a late payment entry on your credit reports, and they admit that you weren't late, they broke the law.

I'm splitting your post off to make its own thread, as it wasn't really dealing with the OP's issue, and I'm moving it over the General Credit Issues. Hope you can get some ideas there about your situation.

Message Edited by haulingthescoreup on 09-03-2008 03:57 AM