What the hell is going on here? (inquiry weirdness)

[mendelssohn]

 

 

CCMP doesnt show the security freezes from me, whether self generated or generated by any of the CRA's. I'd get copies of your paper reports on order, and I would also drop the $50+ bucks on the tri report with scores from myfico (will at least give you an instant shot of your scores, and anything strange on your credit report). I would also being looking into someone else for the mortgage.

Again again again AGAIN, I have paper reports for Equifax and Experian, post-denial. I'll round it out with TU, sure, but I don't think I should wait another week or two just for that.

 

I will do my own FICOs just as soon as I get someone from the credit union to verify that they did actually pull my credit report. The fact that no inquiries showed up AND THAT I NEVER RECEIVED SNAIL MAIL CONFIRMATION OF MY SCORES LIKE THEY SAID I WOULD seems rather suspicious.

That should also tell you to look elsewhere for a mortgage, if you can qualify.

[loderunner]

 

CCMP doesnt show the security freezes from me, whether self generated or generated by any of the CRA's. I'd get copies of your paper reports on order, and I would also drop the $50+ bucks on the tri report with scores from myfico (will at least give you an instant shot of your scores, and anything strange on your credit report). I would also being looking into someone else for the mortgage.

^^^^ this! I still don't see a "cause of action" for a lawsuit.

 

 

If they tell me they pulled my credit and my scores were XYZ and I make decisions based on that statement, and it turns out they didn't pull my credit at all and those were actually someone else's numbers, and I suffer damages as outlined above, I believe that is sufficient cause of action.

 

Now, even if that is the case will I bother to sue them? If I land a decent house before the end of January, probably not.

[loderunner]

 

That should also tell you to look elsewhere for a mortgage, if you can qualify.

 

 

Right, right. I appreciate the feedback. I will do exactly that. I will first get my FICOs myself and go elsewhere... RIGHT AFTER I FIND OUT WHAT THE CU ACTUALLY DID AND DID NOT DO. Which, right now, involves me being rather pointed with them.

[548ficoNtexas]

Then best thing is to go to myfico.com and pay for the trimerge and don't rely on CCMP for anything. It's simply a "toy" to watch progress but information isn't 100% correct and scores are worthless.

[ManofB]

It seems as if your current goal has gone from getting a house by the end of January, to getting in a squeezing a lemon contest with the CU. You say you have your paper reports, and thats great. Something is clearly wrong. Being that mortgage inquiries within the same time frame only count as one, why don't you try Quicken for a quick and easy see what they say? There is always time to sort of the issues with the CU later rather than sacrificing your time chasing them around when, by the sounds of it, you should be doing business elsewhere anyway

[548ficoNtexas]

 

 

CCMP doesnt show the security freezes from me, whether self generated or generated by any of the CRA's. I'd get copies of your paper reports on order, and I would also drop the $50+ bucks on the tri report with scores from myfico (will at least give you an instant shot of your scores, and anything strange on your credit report). I would also being looking into someone else for the mortgage.

 

^^^^ this! I still don't see a "cause of action" for a lawsuit.

If they tell me they pulled my credit and my scores were XYZ and I make decisions based on that statement, and it turns out they didn't pull my credit at all and those were actually someone else's numbers, and I suffer damages as outlined above, I believe that is sufficient cause of action.

 

Now, even if that is the case will I bother to sue them? If I land a decent house before the end of January, probably not.

First I can't see any attorney taking that case, because there is no cause of action. If you choose to file Pro Se you better have your i's dotted and t's crossed. Also you will need similar cases which I seriously doubt you will find. Work on what's important getting your scores up and making sure you don't have a split file. As far as LLC, if the business paid it's bills it won't affect you. If you were a PG on accounts that defaulted then yes it will go against you, but would be listed on your reports.

[cv91915]

Never attempt a mortgage with a credit union.

[nyrfann]

The ridiculousness of this thread is one of the reason I took a vacation from CB. Sue..............

[loderunner]

Wow, I guess the pro-corporate sentiment (which IMO includes nonprofits like CUs) around here is stronger than I thought. People have sued for far less and won. The damages I am likely (but not certainly) to suffer are very real and likely to be four-figure. This shouldn't matter either way, but I feel like mentioning my salary is so low I just found out we qualify for WIC. Please keep that in mind when you repeatedly advise me rush out and spend more money buying FICOs and additional paper reports without waiting for a response from the CU first.

 

So. In your collective opinions, what else should corporations be allowed to lie about (through malice or incompetence) without consequence ? Are consumers also allowed to lie and if so, when and how?

 

 

(Mind you, this is ALL under the assumptions that it is the CU's fault for not attempting a credit check on me. The assumption for suing is that those are someone else's scores they incompetently sent me. Remember, no inquiries on any reports and I never received snail mail confirmation like they said I would. Of course I wouldn't sue them if it turned out that the CU did in fact pull my credit, and actually did receive those scores.)

Edited December 3, 2014 by loderunner

[breeze]

Too much clutter in this thread. No record of an inquiry means they did ot pull your credit report. You either have a split file or they pulled a file with 3 similar data points. it could be initials and last name, same month and year of birth, ssn off by one digit, a typo. Ask for another copy of the report they pulled before you do anything else.

 

I could be wrong, Ihave been in the past, but soft or hard, there should be a record of either soft or hard pull. Not only that, but they pull full factual trimerge reports, not the same reports you pull, but the inquiries should show.

 

post in the mortgage forum referring them to this thread, the brokers there can clarify what is pulled for a mortgage.

 

Do you just want to sue or do you want to get the mortgage? If you sue, what would your damages be?

[mendelssohn]

We're not pro-corporate, we're pro logic and common sense.

 

You're threatening a lawsuit for something that could very likely be a misunderstanding on your part.

[mendelssohn]

Too much clutter in this thread. No record of an inquiry means they did ot pull your credit report. You either have a split file or they pulled a file with 3 similar data points. it could be initials and last name, same month and year of birth, ssn off by one digit, a typo. Ask for another copy of the report they pulled before you do anything else.

 

I could be wrong, Ihave been in the past, but soft or hard, there should be a record of either soft or hard pull. Not only that, but they pull full factual trimerge reports, not the same reports you pull, but the inquiries should show.

 

post in the mortgage forum referring them to this thread, the brokers there can clarify what is pulled for a mortgage.

 

Do you just want to sue or do you want to get the mortgage? If you sue, what would your damages be?

The soft inquiries would only show up on the reports directly from the CRAs, not third part monitoring services.

 

My guess is that they softed all 3 for the prequal because of the existing relationship.

[breeze]

He can get the reports directly for free because he was declined for credit. He should check those.

[loderunner]

He can get the reports directly for free because he was declined for credit. He should check those.

 

I did! I did I did I did and I said so in the original thread and I said so in the replies. I have paper Ex direct from Ex, paper Eq direct from Eq, in addition to CCMP, and there isn't an inquiry on any of them. (I don't have paper TU from TU yet.)

 

Oy. I'm sorry, I obviously suck at communicating today.

Edited December 3, 2014 by loderunner

[ManofB]

 

He can get the reports directly for free because he was declined for credit. He should check those.

 

I did! I did I did I did and I said so in the original thread and I said so in the replies. I have paper Ex direct from Ex, paper Eq direct from Eq, in addition to CCMP, and there isn't an inquiry on any of them. (I don't have paper TU from TU yet.)

 

Oy. I'm sorry, I obviously suck at communicating today.

 

 

She was just pointing out that you were denied credit, so entitled to new reports. I think the issue here is that your focus is too much on the CU. Forget about suing them for the time being and focus on obtaining a mortgage somewhere else. You either have some serious skeletons in a split file, or something was very wrong with what they pulled. Again, spend the $ on trimerge report with scores from myfico. They aren't 04 like the mortgage industry uses, but its enough to either put your mind at ease, or offer some enlightenment as to what is going on.

 

Touch base here once you have your scores, maybe we can help fill in any blanks.

[loderunner]

Alright, alright. I received several replies yesterday that basically said "find out what happened with the CU first", and instead of finding out I was brushed off. So instead of spending money, it seemed reasonable to thwack them on the head a little harder and wait maybe a day in hopes of a response. I'll look at FICOs this evening if I haven't heard anything.

 

It also occurs to me that if the CU did make a major mistake that caused me grief, they might be able to do me a favor like waiving underwriting fees or knocking off a few basis points. or something. I wouldn't coerce them into this or even necessarily suggest it but, if I find a severed human hand in my endless Soup, Salad and Breadsticks... call me crazy, but I don't throw down my money and walk off in a huff. I hang around to see if they'll knock off a few %.

 

But no, I was not planning on abandoning the mortgage hunt and hiring a lawyer this afternoon. I was just expressing the joy I felt at being able to metaphorically thwack a lazy, pretentious douche on the head in the course of a larger, sensible strategy. It's the simple things in life, you know.

[nyrfann]

No one has asked this question. WHY would the CU lie about pulling a report? Last I looked banks (CU's) are in business to make money, so there would be no reason not to pull one. And please OP stop with the "I'm harmed", it's caused me "grief" BS so I need to sue. Pull up your boy boy panties, stop crying and either get to the bottom of it or move on. Just because you "feel" the CU is against you for some reason does not mean they are, nor does it mean you're entitled to anything.

Edited December 3, 2014 by nyrfann

[cv91915]

No one has asked this question. WHY would the CU lie about pulling a report? Last I looked banks (CU's) are in business to make money, so there would be no reason not to pull one.

 

"Incompetence" comes to mind. Never attempt a mortgage with a credit union!

[nyrfann]

 

No one has asked this question. WHY would the CU lie about pulling a report? Last I looked banks (CU's) are in business to make money, so there would be no reason not to pull one.

"Incompetence" comes to mind. Never attempt a mortgage with a credit union!

 

Give me a break. If there was a mistake it could have happened with any type of financial institution. Funny thing, I had a problem with my Chase mortgage but never the 2 mortgages I had from 2 different CU's (Patelco and Fairwinds).

Edited December 3, 2014 by nyrfann

[whipster]

Go inside, find the hottie clerk, flirt a bit, ask her for a copy of whatever they pulled from this email you got. My bank ran off a copy while I waited, no biggie.

[loderunner]

No one has asked this question. WHY would the CU lie about pulling a report? Last I looked banks (CU's) are in business to make money, so there would be no reason not to pull one. And please OP stop with the "I'm harmed", it's caused me "grief" BS so I need to sue. Pull up your boy boy panties, stop crying and either get to the bottom of it or move on. Just because you "feel" the CU is against you for some reason does not mean they are, nor does it mean you're entitled to anything.

 

As I've repeatedly said, incompetence. But it is very funny how incompetence generally favors the pocketbook of the corporation, in this case because I am obviously not a high profitability client. That's why I generally use the word "lie" regardless of their excuse.

 

Like I've said, I earn my living by telling corporate execs to pull their heads out of their marigolds, at first nicely and then not-so-nicely. Admittedly, I get to be a little more colorful when I'm doing it in my personal life.

 

But in my day job, I just had a case where, after going back and forth several times, I finally determined that an insurance company (which I will not name for fear of libel) had illegally extended the surcharges of smaller policies (poor people) to offset their books so the larger policies (rich people) didn't have to pay the surcharge.

 

You go right ahead though, keep apologizing for them. No one ever sticks up for corporations in this country!

Edited December 3, 2014 by loderunner

[ubercat]

If your wife's credit is abysmal, how do you expect to get a mortgage in January?

 

If for some reason you can find mortgage, and you find yourself in a position to close, you'll get swarmed in old debt and the deal will die. In addition to which, if you do manage to close beyond that, you'll find that you have higher payments than you can afford long term.

 

Forget the CU. You've wasted enough time.

 

Have you looked into USDA/FHA loans, and have you completed a home ownership course?

[hdporter]

Yeah, you tell those fat cat CU execs where they can go! Everyone knows that the reason the didn't get in on the bailout bonanza was that they were too incompetent for that as well.

 

Wish you lotsa luck (omfg)

[loderunner]

If your wife's credit is abysmal, how do you expect to get a mortgage in January?

 

If for some reason you can find mortgage, and you find yourself in a position to close, you'll get swarmed in old debt and the deal will die.

 

I can get a mortgage on my salary alone--housing market is especially bad in my area. We are insulated from her debt, but it's especially bad because part of it is student loan (for a worthless degree) so if she gets a job she'll face garnishment, in addition to childcare costs.

 

Yeah, you tell those fat cat CU execs where they can go! Everyone knows that the reason the didn't get in on the bailout bonanza was that they were too incompetent for that as well.

 

Wish you lotsa luck (omfg)

 

If it's true that none of them got bailout money (though they still benefited indirectly), it's only because they were excluded from the shadow banking and derivatives trading Geronimo that the for-profit companies were doing.

 

I still find it incredible that you would think it worthwhile defending a man who conveniently lost my application for a month, then claimed they had pulled my credit when they clearly have not (unless there's a split file issue on all of the CRAs used) thus causing me to waste another 3+ weeks (identity verification issues), then sent me a canned email brush-off when I asked him to investigate. I don't say all execs are bad. I say THIS exec seems to be pretty bad.

 

Look, my post this morning apparently had the wrong vibe. Getting a mortgage is still my top priority and unless they throw me a fat bone I am not going to stay with this CU. However, yesterday whipster and mendelssohn replied to this thread, confirming my initial inclination that this investigation should begin by asking the CU what happened. I did, they douched out on me, I thought it was worth trying again but being a little meaner about it. That is all.

 

I'll stop mentioning the CU now until/unless they get back to me with an answer.

 

The other major weirdness here is the message saying that my Equifax file is "legislatively frozen", when in fact I have located the letter confirming the unfreeze. The Comcast issue might be relevant here as well. But I guess it's not worth theorizing any more about that until I get my credit scores--will do so later tonight.

Edited December 3, 2014 by loderunner

[ubercat]

Good luck to you. Another one for the ignore list.