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Tell the creditor or other information provider, in writing, that you dispute an item. Be sure to include copies (NOT originals) of documents that support your position.

If the provider reports the item to a consumer reporting company, it must include a notice of your dispute. And if you are correct — that is, if the information is found to be inaccurate — the information provider may not report it again. Your credit file may not reflect all your credit accounts. Although they are not required to do so, many same day pay day loan consumer reporting companies will add verifiable accounts for a fee. However, understand that if these creditors do not report to the consumer reporting company on a regular basis, the added items will payday loan lenders fixed rate personal loan not be updated in your file. When negative information in your report is accurate, only the passage of time can assure its removal. A consumer reporting company can report most accurate negative information bad credit long term installment loans online for seven years and bankruptcy information for 10 years. Information about an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. There is a standard method for calculating the seven-year reporting period. Generally, the period runs from the date that the event took place. The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer You must have a current copy of your Experian personal credit instant loans direct lenders report in order to use this service.

If you have a copy, please enter the The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer I have a similar situation, but then it takes a turn... Litton never produced the proper instrument to record the foreclosure which is now appearing on my credit.


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According to a mortgage broker: The credit report reflects a foreclosure but does not indicate the foreclosure completion date, a letter from the servicer is necessary to determine the foreclosure date.

Litton no longer exists (Goldman Sachs sold off to Ocwen Nov 2011). I am definitely going to write to the credit reporting companies this weekend. But was just curious if anyone else has had this problem due to Litton no longer in business. Have you checked all three credit bureaus to find out if they are all reporting your account without the official foreclosure date? The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice.

Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Have you checked all three credit bureaus to find out if they are all reporting your account without the official foreclosure date? The problem with the assignment of mortgage is it appears as though this is when the mortgage was transferred to Litton. If you look at her credit the Suntrust mortgage was transferred to another lender in 2008.

The property actually foreclosed with Litton cash advance loans bad credit as the lender.

The credit report reflects a foreclosure but does not indicate the foreclosure completion date, a letter from the servicer is necessary to determine the foreclosure date. Basically, the only thing that matters is what appears on the credit report. The credit report cash loans austin tx shows that Litton has the mortgage, but not that the foreclosure has been completed. If you can get a settlement letter from Litton, we can get it removed from the report.

Ok, Let you know were im standing now with this whole process...

As of today still nothing positive, Wells Fargo bank rep responded today with...

I looked into the information that was provide and as it looks you had a secured 2nd loan on the house when it went to foreclosure back in 2009. We converted your secured loan to an unsecured loan when you filed BK in 2010.

She claims she will send the information out to us eather Monday or Tuesday. I originally foreclosed on a house back in July of 2009 which sold Dec 2009. I have contacted the credit agencies to correct the dates and also Wells Fargo (which was no help).

As of today i ordered instant loans direct lenders my free credit reports and to my surprise there is nothing showing foreclosure on Experian or Equifax.

Should I continue to fight to get the foreclosure back on the credit reports, or go with the BK information...

I am trying to purchase a new home under FHA guide lines. I cant believe how bad the communication is between the banks and credit reporting agencies even after you supply information to correct the errors. As of today i ordered my free credit reports cashadvance and to my surprise there is nothing showing foreclosure on Experian or Equifax. Should I continue to fight to get the foreclosure back on the credit reports, or go with the BK information...

I am trying to purchase a new home under FHA guide lines. I instant loans direct lenders cant believe how bad the communication is between the banks and credit reporting agencies even after you supply information to correct the errors. This has been a problem many people have been experiencing with BK and foreclosure.. In your case since the dates are only a couple of months apart I personally would not be too worried unless the FHA is questioning the date the foreclosure was completed.

If this was the case I would advise them to look up county records to confirm the date the property went to auction.. The comments by me and the materials available at this web site are for informational purposes only and not for instant loans direct lenders the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You instant loans direct lenders should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Hello all, I am in need to write another letter to the credit agencies and Bank officials, pertaining the incorrect corrections that have been previously made to my report.

The dates that they supplied still does not correspond with the documents that i have provided to them once before.

I am not understanding the difficulty in correcting the issues once all documentations was fully provided.

Question I have is how can I get my point across in a professional manner to get this corrected before filing for legal assistance?

Hello all, I am in need to write another letter to the credit agencies and Bank officials, pertaining the incorrect corrections that have been previously made to my report. The dates that they supplied still does not correspond with the documents that i have provided loan usa to them once before. I am not understanding the difficulty in correcting the issues once all documentations was fully provided.


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Question I have is how can I get my point across in a professional manner to get this corrected before filing for legal assistance? Problem lies in with the second that was included during the foreclosure. I have received a tax form 1099 showing both the home and second was included in 09. I have currently sent copies of the 1099 to the credit companies to give them tang able proof of the date in question. I have supplied the same information to Wells Fargo and they claim they wont change the date. What can I do, This is rediculous that with federal documentations of tax information and foreclosre information that they will not match the date to the required 2009 date.

I can not get a home loan because of the MTG (second) reporting on my credit files.... Problem lies in with the second that was included during the foreclosure. I have received a tax form 1099 showing both the home and second was included in 09.

I have currently sent copies of the 1099 to the credit companies to give them tang able proof of the date in question. I have supplied the same information to Wells Fargo and they claim they wont change the date. What can I do, This is rediculous that with federal documentations of tax information and foreclosre information that they will not match the date to the required 2009 date.

I can not get a home loan because of the MTG (second) reporting on my credit files.... This is unbeleavable, Still after senting the 1099 Form showing home equity and mortgage under the foreclosure, County records of the foreclosure dates. Experian send back the information,The creditor has verified to OUR company that the current status is being reported correctly. Same as Equifax claiming current status being recorded correctly... I also included in the letter for the credit company to supply me with the documentation that is on file. As of today, I have not received the information that i asked for. Is there anything i can do to get online small loans them to supply the information they have that determines the outcome? Also Why would a Home equity loan show up on credit report as MTG? Back in September of 2009 I had to let the house go due to injury which had a home equity loan attached to it. Each one of these documents were sent in with my dispute to all three credit companies. Need to find out why they are are not correcting this as the documents show correct dates? Apparently, Wells fargo resent the information after the foreclosure, to seperate the home equity that was previously foreclosed with the house and now attach this to the BK.