I need advice on what to do about a 1st & 2nd mortgage I had with Conseco Finance. Before we filed Ch 13 on 11/2002-Conseco held an auction on 8/2002. when we filed we included both 1st & 2nd and is listed as surrendered in full satisfaction of debt. Conseco filed a claim and through the process the judge dismissed their claim. In 2004, still going through Ch 13- Green Tree filed a claim using Consecos account number and it was after the filing date and they were dismissedl.
Problem is Conseco dba Green Tree (both of them) is on our reports. They also state on our cr that it was involved in a wage earner plan which it wasn't.
In 2005, Conseco 1st mortg was deleted from our cr and in 2006, Conseco 1st mort account number now says auto loan which is untrue but is not listed as negativel.
We want to refinance before January and these accounts are driving me crazy because the information is not correct.
Can a mortgage company doing business as both names get away with this. I don't know what to do.
How do I handle this? Any advice is appreciated.
First and foremost go ahead and send dispute letter to the credit bureau. This is for your help
Enclose the proofs you need when you send this letter to the credit bureau. They might include cancelled checks showing timely payments, paid off accounts, loans, photocopy of important documents(ones that are proof of your BK13) etc. You should also keep a copy of your letter to yourself as you might need them sometime. Send your letter through certified mail.
Your Name:
Address:
SSN:
DOB:
Credit Bureau Name
Credit Bureau Address
Date:
Dear Sir/ Madam,
This is a letter to request for the removal of inaccurate information on my credit report. This inaccuracy has resulted in many inconveniences.
I do understand that you have a huge work load and this would have been a minor flaw. But this has curbed my financial options. For your convenience I am sending you the proofs of the items you need to verify. According to the law these amendments must be made at the earliest. Otherwise you are likely to violate the federal law.
Please complete the changes at the earliest and send me a copy of the fresh credit report.
Thanks,
Sincerely,
Your Signature
Your Name
Your Address
Enclosure: [Give the list of all the proofs that you are enclosing]
You can file a complaint at BBB.[/b]
Ch 13 Conseco vs Green Tree question
Thanks Laura for your suggestion.
:)
my pleasure. but i think you have already send a dispute to the bureaus.