Hello all, short of the long. A medical provider reported a $41 collection IN ERROR while I was in UW. The sad thing is that the account was reported in error, as the $41 was a credit they OWED ME and some moron entered it wrong and it was reported as a bill. This all without ever contacting me.
They have since removed the account but Transunion are being their typical D-Bag selves and instead of deleting it they changed it to a charge off account. I tried calling them and they said they could dispute it... I said NO. I am hoping to speak to their US based folks to morrow and have it removed immediately (but this mah not happen).
My loan officer laughed when I told her thinking it was funny and told me to chill saying that I am CTC and that all is fine. We close on Tuesday(1st) and my TU score and report still arent updated. I have the letter saying it was an error and the letter confirming deletion.
My EX score is 840, EQ is 815, but TU is 720 (it dropped 85 points!!!!) I know they wont pull scores again but if the UW does a soft pull and sees the $41 collection on just TU will it cause any concern?
Our DTI is low at 32%.
We JUST recovered from a Chapter 13 BK that has just passed the seasoning requirements and this bullcrap happens. I swear if this closing gets delayed/stopped because of this I am suing the medical provider for violation of the FCRA. This bull crap of collection agencies monitoring reports and seeing a mortgage inquiry and then pouncing is predatory and should be illegal.
