Hello all
i had a 1st and 2nd mortgage with option one who has been taken over by american home mtg servicing co. i filed a chap 13 which was later dismissed but i agreed to surrender the home. the 1st mortgage shows foreclosure initiated on the remarks on the credit bureau reports, 2nd mortgage has 120 days past due. i tried to dispute as not my account twice with all 3 cb's and didnt work. i was thinking that maybe i could write a letter to the company ceo and ask if they will remove? also on one credit report the second mortgage is also listed under a diff company (wilshire financial) that was taken over by bofa. remarks on that says transferred/sold. should i dispute that as not my account? it has negative history as well. im just trying to clean up my reports as best i can. also the 1st and 2nd mortg both have 0 balances...thanks for any and all help!
mortgage
Hi felice,
Welcome to this community.
the 1st mortgage shows foreclosure initiated on the remarks on the credit bureau reports, 2nd mortgage has 120 days past due. i tried to dispute as not my account twice with all 3 cb's and didnt work.
If these are rightfully listed on your credit report you can't dispute these off your report.
You need to provide more details on your mortgages so that the members in this forum can help you. When was the last payments made on these accounts, what is the status of the accounts?
Thanks,
Aaron
Well they both show 0 balance becuz I surrendered the property back in 2006. They of course have since sold the property and didn't come after me for any deficiency or anything. Do u think I could do a goodwill ltr ande ask them 2 remove it? I faxed one to the vice president of american home mtg..
mortgage problem
Hi felice,
Yes, I think you can try removing these by sending Goodwill letters.
Thanks,
Aaron