Foreclosure Date

We had a foreclosure on August 2, 2000. We had a deal in place to refinance the house and were suppose to close August 1, 2000 in the afternoon (they had to approve of the refinancing for some reason, to get rid of fees, etc.). On August 1 at 8 am we received a call from the gentleman we were working with. He said that the bank was bought out by Fair Banks Capitol and that all foreclosure avoidance agreements were null and void. They went thru with the foreclosure. I have disputed the legal part on our credit reports and they were removed about 1 year ago. However, Fairbanks reported it and has the foreclosure date of July 1, 2001 on our reports. I disputed as "not mine" last year and it came back verified. This makes a big difference in our scores, because July 2001 is less than two years ago. I disputed it again as "not mine" Feb. 12. I'm wanting to know my next step. I have the legal paperwork that shows the foreclosure as August 2, 2000. What should I do next?

We have paid everything on time (house, car and 1 credit card) since 2000.

 

Unbelievable! We had our original with Conti and paid AHEAD 4 different payments when we had the money, because we new the next few years would be tight (hubby starting new business). We "skipped" a few payments over the next few years, figuring we had 4 to play with. We would occasionally get a collection call and we would tell them that it had been paid previously. When we got dumped into foreclosure it was a nightmare. They added on thousands of dollars of fees. We were getting it refinanced when Fairbanks took over and put a halt to it. We had approx. $40,000 equity in the home and they wanted it!