Jump to content

Sign in to follow this  
Cherylbelinda

Old Medical Collections back on report - in process of firstime home buy

Recommended Posts

HELP!


I am in the underwriting process of applying for a mortgage.


Today,I received a notice from my credit union credit monitoring system that two new accounts were added to my credit file.


I subscribe to transunion credit monitoring and they didn't have it showing in it's entirety yet, but something was there.


They are two medical collections accounts.


I went back and looked at old credit reports and found that these accounts had been on my credit report back in 2014 but for some reason they were gone.


Now as I try to become a first time homebuyer here come these walking dead accounts.


Please advise what i can possibly do?


I am crying because i have spent money on appraisal, home inspection, earnest money and I really want this house.


Share this post


Link to post
Share on other sites

Pay them and be done, if you're this far into the mortgage process you really have no other options.

Not so fast. I'm moving this to the medical forum where WhyChat can help you..

Share this post


Link to post
Share on other sites

Follow the guides:

http://www.whychat.5u.com/GUIDEBOOK.html

http://www.whychat.5u.com/GUIDE%20HIPAA%20PROGRAM.html

Because you hadn't opted out before applying for a mortgage your reports are being poisoned by JDBs ( junk debt buyers)

 

OPT OUT NOW!!

 

You don't have time to delete addresses before your closing and properly dispute this FRAUDULENT account. DO NOT pay it as it will cement it to your reports as a "paid" collection. Send any CRA where it is actually reporting this:

http://whychat.5u.com/hipaadisp.html

 

Send the reporting CA this:

http://whychat.5u.com/ltrcavalhipaa.html

 

Keep copies of everything and provide these letters to your mortgage lender and explain that these are "zombie" debts which you are properly disputing.

Share this post


Link to post
Share on other sites

Ok,

Thank yall for the help. I am going to go and use WHYChat's procedure.

 

I forwarded the changes to mortgage company and they said oh.

This morning I received conditions doc from them and sent more documentation.

My app is headed for underwriting once the appraisal is received.

So scared.

 

You know, people on this board are always trying to help each other out.

I wish that people would treat other the same out in the actual world.

 

God Bless!

Share this post


Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this  




  • Today's Birthdays

    1. iliana
      iliana
      Age: 48
  • Member Statistics

    • Total Members
      177,972
    • Most Online
      1,956

    Newest Member
    time2getserious
    Joined

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines