I found out that my partner that I lived and owned a house together for 3 years was committing using me as his own personal piggy bank. I have to pressing issues that I need advice on. 1.) I just found out about a debt that was due to my previous apartment complex. The debt was occurred in 2007 but because he was stealing the mail I did not know about it until I just checked my credit report and saw the collection listed. I contacted the apartment complex immediately to take care of the debt. I paid them in full. They have sent a letter to the CA reporting but the CA refuses to remove the collections from my credit report. They are only going to report it as "Paid in Full." Is there anything I can do to get this removed from my credit report? 2.) My partner and I bought a house together in 2006. We were both on the Dead of Trust but the Mortgage was only in my name. He came to me in Oct 2008 and said he would pay the main mortgage payment if I would cover the car payment and Home Equity Loan. Well I come to find out that he never made a payment and now the house is Foreclosed and already resold. What he did was called the Mortgage company and changed the phone number on the account and was stealing all the mail concerning the late payments along with a lot of other notices. He stole the "Serve" notice that required me to report to court and instead wrote multiple letters to the court as me stating reasons why I did not show up in court. He is now going to jail for multiple other charges and I am stuck with a Foreclosure on my credit report and a $95,000 Home Equity Loan that there is no way of getting money from the house to pay off. Is there anything I can do? I am so lost....the last 3 years of my life has been living with this con-artist and I feel used. Please help
Welcome to the forum Spider, and I'm sorry to hear about what's happened to you over the past few years. I wish I had some more positive advice, but here are my thoughts in response to your two questions: 1.) Unfortunately, there's not a whole lot you can do at this point. Since you already paid the debt, you've lost any leverage you once had to negotiate your credit score, and the CA has the right to report it as a "paid collection". If there's any inaccurate or missing information related to the account on your credit reports, you could always try disputing it through the CRAs. 2.) Since your name was on the mortgage, I believe you would be held accountable for the payments at the end of the day. That's going to be tough to get around; however, it sounds like you may have been a victim of identity fraud here. I'm assuming you've filed police reports relating to your partner stealing your mail and impersonating you when writing letters to the court. If there's any chance at all to work with the bank regarding how the foreclosure is reported on your credit reports, I would imagine you'll need a lot of documentation proving that all this occurred because of the crimes that your partner committed. However, they may still fall back on the fact that the mortgage was in your name and you were responsible for making payments no matter what.
Thank you. I am in communication with an Attorney concerning my whole situation. It is a shame that victims are not protected more from this kind of stuff. I have multiple police reports in multiple states. This guy will get his in the end. I guess I can get some closure in that. Thanks again.
No problem...glad to hear you have an attorney, and I hope you're able to get things cleared up. Please come back and let us know how things progress.
I hope you get things cleared up, too. Having your identity stolen is bad enough, but by someone you trust is really terrible. I hope things work out for you.
I also hope you can get things straightened out but it appears to me that you are basically stuck with 7 years or more of bad credit. With your partner going to prison you have no way to recoup your money from him. These days lots of people are in the same boat for a wide variety of reasons. Many have been hit with job loss due to the economic mess we are in and that is only going to get worse. Times are going to get a lot tougher than they are now. The situation over in Greece is going to affect the economies of all nations. It is apparently hurting us right now because our stock markets are going down hill like a rock. I'm in the midwest and so far we haven't been hit all that hard but Oklahoma City is talking about laying off 100 firemen and policemen. In spite of that they are doing lots of community improvement projects, keeping the parks and streets in great shape and trying to figure out how to build a new jail and other great new things, all at taxpayer expense of course. Instead of mowing all the parks and keeping them all beautiful they need to let that go and spend the money keeping those firemen and policemen on the job. They are going to need them desperately before long as the ti es get harder and harder. The economic slump hit me back in July of 2007. The phones started ringing off the hook so I bought a program called Phone tray for $16 and installed it on my computer. I ran the phone lines through modems on my computers and let the computers answer the phone first. If it was one of the creditors they got one message and if it was an out of area or caller I.D. unavailable they got a message telling them their caller ID is busted and they need to get that fixed because I don't accept calls from people who hide their caller I.D. Then it would hang up on those kinds of callers and I'd never know they called if their calls weren't logged. Capital One tried using about 20 different phone numbers to get through that phone tray and each of their phones got just one call through and that was the end of them. Of course I soon started getting phone calls from the debt collectors. Every time they called I used my famous 18 questions on them and after a couple of calls never heard from them again. Now the law suits are starting in. I only have one going right now and I'm having a ball with that one. No problem. Of course, I also lost a couple of checking accounts due to overdraft fees and what have you but that isn't a problem either. They can report me to chexsystems all they want but I can still get all the bank accounts I need and there isn't a thing they can do about it. And of course, there is the problem of the credit bureaus and their 7 years. I couldn't care less about that either because I have established excellent credit for my corporations and I can buy anything I want on credit but even with the ability to borrow at least half a million or more I'm not going to get myself back in debt again. I don't have to. I have 3 corporations and all of them are making good money. All 3 have excellent credit and it only took me 12 weeks for each corporation to get them excellent credit. Any body can do the same thing. Anybody can learn how to deal with the debt collectors and make them pay you instead of you paying them. In fact, I rather like the bad credit. Why wouldn't I? I can easily get those who make derogatory remarks on my credit reports pay me when they make mistakes. $1,000 per violation times the number of credit bureaus times the number of months reported. Why wouldn't I like that? Attorneys? No thanks. Not in this day and age nor the next. And the nice part about it is that anybody can learn how to take care of their problems the same way. It isn't rocket science and it isn't hard to do. Credit repair? I can't fix anybody else's credit but I sure can fix my own and make them pay me for the privilege of fixing my credit for me. As has already been pointed out to you by others you pretty well fixed your credit by paying that landlord back then. I do hope you learned from that but I'm truly sorry it had to be such a hard lesson. Women often trust their partners to take care of the finances but that is always the wrong thing to do. Each of the partners should maintain their private and their business relations separate. Maybe not hidden from each other but separate none the less. I have a rather new partner and she is definitely the best thing that ever happened to me but we keep our finances totally separate. She has her own two bank accounts and I have seven of them in 4 different banks. She borrows from me at times and I borrow from her at times. I had to borrow $2 from her this morning because I didn't have any change to pay a parking garage but then I loaned her $174 this month to buy a stereo for her car and she still owes me for some of that. It wasn't that I didn't have any money this morning but I just didn't happen to have 2 $1 bills to pay the parking garage. They have a machine you pay and it only takes $1 bills and gives no change. But I think it is highly important for women to have their own credit and bank accounts and keep their finances separate because if they don't and their partner leaves them or dies then what?
But Spider might not have to deal with seven years of bad credit. With the partner in jail for fraud and some judgments, I bet most of that stuff can get removed.
That may well be but even though she may be able to get rid of the bad stuff then she still has to rebuild to get good scores. For most people that takes years and costs lots of money. There are plenty of people and companies out there ready willing and mostly unable to build or rebuild anyone's credit. Ali Baba and his rusty car lot will help you build your credit. Buy your clunker here and we will report to all 3 credit bureaus to help you build your credit. Its all over the TV. No credit needed auto sales. No credit check auto sales. Credit builder auto sales. Problem is they are high priced and usually need fixing far more than your credit does. It might be they don't care if you have terrible credit or not but they demand a huge down payment and high weekly or biweekly payments on a piece of junk that will need major repairs before you can get them paid for. When shopping for a used car the first thing I look for is the sticker that tells me what year the car was manufactured in. Next I get in and look at the odometer. It is 28,800 miles around the world. So the first question is how many times has the car been around the world each year? A 10 year old car with more than 100,000 miles on it is sure to be bad news. Same thing for a 5 year old car with more than 50,000 miles. And a 1 year old car with more than 10 or 15,000 miles is probably an ex Hertz rental car. Rental car companies get rid of cars with more than 25,000 miles on them and often before they are 2 years old no matter how many miles they have on them. They wash the titles by "selling" them to the owner first and then off to the used car auctions. They will usually need major repairs before the new owner can get them paid for. Credit builder my foot!!! They are credit wreckers looking for a place to break down. My GF just got a 2000 Chevy with 150K on it for free from her son-in-law. He made her promise to bake him a couple of loaves of banana nut bread and then she gets to babysit her grandchildren every weekend, all weekend long. (LOL) Free? Not really. By Sunday night she is in worse shape than the car, but Oh Well. Plenty of places she can buy junk jewelry or lousy computers to help build her credit too. (LOL) The problem with credit repair is that while yes, you can get your credit all cleaned up with the credit repair methods found here and everywhere else on the internet. No problem. A few letters and and a couple of years time and you are back in the cool clear pristine waters of Credit River again. But get sued and see how much good those great credit repair letters did you. I know. Let's be optimistic. Why peddle doom and gloom? It isn't the end of the world, you know. And anyway it just isn't right to beat your creditors out of their money. Let's all just treat everybody right and get along in this old world. Pay what you owe and if you can't then hire a lawyer or go running for the nearest bankruptcy court and take a bath. Ever hear of Ali Babba the honest lawyer? (LOL) He's as bad or worse than the car dealers. Ever hear of facing reality? If you are down and out then everybody out there is only too willing to give you another push down the slippery slope all the while telling you not to worry because all you have to do is keep a firm upper lip and a smile on your face. But I'm like the buzzard in the old cartoon. Patience? Patience Hêll, I'm not waiting any more I'm going out there and kill somebody. (LOL
Depends what the credit was like before. It certainly didn't take me seven years to get good scores back. I had plenty of history, and even though it was pretty bad for a while, my scores recovered in a couple of years. So, if the fraudulent items are removed, it could well be that the scores will recover almost immediately.
Ah yes! there is that great big word. if ifwe get enough rain the garden might grow too. On the other hand, if it rains too much it might ruin the crop ifthe government would stop spending so much money we wouldn't have to pay so much taxes. And ifAnd ifwe dispute the credit bureaus might just play nice and take all that nasty stuff off our credit reports. if wishes were horses beggars would ride too, now wouldn't they? if everybody would only start to realize that the other fellow has rights too and those rights must be respected then we would be living in a perfect world and we wouldn't need any courts or lawyers. I don't live in an iffy world.
