These people are unreal. I pulled my report because of a mortgage we are getting on just on equifax there is a $406 chargeoff from them. As I have never had that card or even heard of them I called to complain and they said it was charged off in 1999 and they needed 2-3 days to pull the statement. Well today on day 4 they get it and said there was one purchase of $74 and would I be making a payment. DUH. I told them no way we never owned this card. These said they would send a dispute out but since it has been 3 years it probably would not even go through and I would have to pay. I told them #^@$#@^@ no. I told them since I sent in a dispute with equifax they should delete for now until this is worked out as someone either stole the card or it never made it out of their company site. They said they had a signature but it may be too long and the application is gone. DUH IDIOTS. Then she says they cannot delete from equifax because it would be illegal. I said what about illegally reporting it on the credit report. All she keeps saying is we will see what the dispute says. Meanwhile my mortgage is being held up. She kept saying since it was in our name we need to pay it. I am saying I never received the card nor heard of this card and it will be a cold day in hell before I pay $406 and ruin my credit for 7 years. What should I do with these people. Can I sue em for the mortgage which I might lose because of this. I do not want ot do a 30 day validation since we are closing today which obviously cannot take place now.
What about that rapid rescore deal??? Ask your broker about it. Anyone care to comment on Rapid Rescore???
