This doesn't seem right to me. They appear to be saying that we still owe the full balance and have a monthly payment of $205. This was a 2nd mortgage on our foreclosed house and the loan was forgiven by BoFA.
I tried to dispute the way this is reporting but they just came back and said they verified the account was ours. Um, yes, I realize the account is ours. I did not dispute ownership. I disputed the numbers being reported!
Any suggestions on what to do now? Can I dispute the same thing multiple times?
I've gotten everything negative off my husband's report that I could. The only thing left is the two mortgages involved in the foreclosure. I'd like if they would at least report accurately. I imagine when time comes to apply for a new mortgage, this one showing a balance and a sheduled payment won't go over well. :/
TIA
-C-
If there is no balance owed, then this is reporting incorrectly. Try a direct dispute with BOA. I wouldn't dispute with the CRA.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Thanks. I just wanted confirmation that I wasn't reading things wrong and it truly is reporting incorrectly. BoFA forgave the balance so it should be $0!
C