I was married before and my ex-wife and I took out a mortgage on a home that was paid for in 1998. Right after that we split up and neither one of us made a payment on the loan. The house was foreclosed upon and sold at auction for the balance of the loan $18K. It is showing the open date as being in 1998. I would like to see about removing this item from my credit. I have sent a request to Union Planters National Bank for accounting procedures and have not gotten a response back yet. That was over a week ago. Where do I go from here? I wanted to know just when was the DLA so that I would make sure this stuff isn't being reaged.
I was married before and my ex-wife and I took out a mortgage on a home that was paid for in 1998. Right after that we split up and neither one of us made a payment on the loan. ><- <>- ><- <> Why should you or your ex have made payments after 1998 on a house that was paid for in 1998 ???????????????????????????
umm...that was a mistake on my part. I mis-worded that post ). The house was paid for but in 1998, we placed a $14K mortgage against the house. We then got separated and the house was foreclosed on.
Re: Re: Foreclosure The DOLA was sometime in 1998- whenever you first went delinquent on the mortgage payment, it will stay on CR's until sometime in 2005
Re: Re: Foreclosure Well, what I"m trying to figure out is, is there someway I can catch them with some violation or error in reporting or something like that to where I can leverage that for deletion from my credit report earlier than 2005?
Re: Re: Re: Foreclosure Account Number: 690911012XXXX 690911012XXXX Conventional Real Estate Acct Type: Loan, Including Purchase Mortgage account Money First Acct Status: Open Closed Monthly Payment: $18,427 $251 Date Open: Feb, 1998 Feb, 1998 Balance: $18,427 $18,427 Terms: 180 Months 180 Months High Balance: N/A $18,500 Limit: N/A N/A Past Due: $3,266 $2,763 Remarks: N/A Foreclosure initiated Payment Status: Foreclosure proceeding started Paid or paying as agreed I've requested accounting from them but haven't heard anything yet.
