Hi, guys. I've been cleaning my new wife credit report for the las few months with very good results, in part because all the good info found in here, didn't have to ask anything, all I needed was ready available after a searching.
I have all deleted but one account Select portfolio services.
They are reporting a foreclosure on a house that she never saw, it was some investment fraud scheme, see
http://www.mortgagefraud.org/journal/2006/...-mortgages.html

This people made payments on the mortgage for a few months then stop and the property went in foreclosure, I believe she signed the promissory note among other papers she didn't even read, She can't claim ID theft.
Basically this fraudsters used her credit to buy property out the state, obtain loans for sometimes double the fair market value of the property and then try to get a tenant to pay the monthly note, when they failed to keep the property rented the house was foreclosed and my wife took the hit, there is a class action in progress against this people but she opted out, I don't think they are going to get any money anyway, countrywide is also suing them and they are been broke for some time now.

Now the question, What would be the best approach to get rid of Select Portfolio. I thought of sending a QWR but I think there is a 3 years statute of limitations on RESPA, I don't even know if they have to answer a QWR after foreclosure.

Select porfolio was sued byt the FTC for for mortgage service fraud committed around the time they foreclosed on that property , they got a restraining order, injunctive relief and they are now under semi-annual. audits for the next ten years in order to verify compliance with the court ruling.
I don't think they'll be happy of hearing from my wife again, if I can force them to dig in the old records I'm pretty confident that something will come out.

I'd appreciate any ideas

Carl.-