I’m sure there is a way, I just don’t know it but how do I go about getting mine and my husband’s credit report without paying an arm and leg? Also, can you explain what the FICO is?
Here’s a little bit about what is going on right now with me, my husband and I had to file bankruptcy in 2001 due to falling behind on our mortgage and it has now been discharged. We received a letter from our mortgage company claiming we owe them over $15,000 in underpaid escrow money from April 2001 until December 2006. In the letter they said we could pay the lump sum by Feb 1st (like who can do that) or our mortgage payment will go from $951 to $2400 for the next 12 months. We have called the mortgage to dispute this and they said they will look into it and get back to us. Also I called my bankruptcy attorney but he wants a $1500 retainer just to look into it.
Can anyone recommend someone I can contact about this or give me an idea of what I should do. My husband and I trully do not feel this is our mistake but theirs and it took them 6 yrs to find it. Also, what do you think about cash advance? Should I get one of fast payday loans from KeeLoans.com to pay urgent bill in time?
Any help, advice, opinions you can give would be much appreciated. Both of us are tired of living paycheck to paycheck and we really need some good financial advice, especially on how to stay on a budget.
You are entitled to one free credit report from each of the bureaus once a year.
Also, if the mortgage was discharged in the BK, you should be able to either send them a copy of the BK papers or authorize them to verify that a BK is on your credit report. Did the mortgage company contact you or a collection agency. A lot of companies “sell” their accounts to collection agencies and then you’re harassed all over again. Tel them it was discharged and tell them to verify it and move on.
I filed BK in my very early twenties (I had a loser boyfriend who helped me charge up my accounts) and I had one company try to collect 7 years later. They left me alone after I told them to run my credit report to check it out.
Thank you for the information re the credit reports.
No, a collection agency did not contact us – the mortgage company did. I do seem to think that maybe this department does not know about the bk or that it has been discharged. My husband is supposed to call them today but I will mention that to him when he calls.
Just to update you all on what has happened with the mortgage company and underpaid escrow money. Apparently, when you file for bk the mortgage company is not allowed to raise your escrow amount to cover your taxes being raised or your home owner’s insurance. Of course no one told us this, not even our attorney and it took talking to about 4 people at the mortgage company for someone to finally let us in on this little secret.
Now I don’t want to scare anyone away from filing bk if it’s something you have to do but just be prepaid for a large escrow bill after it has been discharged.
I’ve been reading a lot of the old posts and getting some great information. Thank you all for being here.