We are closing on our our mortgage in a few days. There is a debt on my husband's report we have been trying to get off. Its for 5k. When we applied for the mortgage they agreed to delete now it is back on. I have been trying to get it off since. I just spoke to my lender and he said he is going to pull our reports again in a few days? QUESTION IF WE AT LEAST DISPUTE THE ITEM WILL THE BALANCE SHOW UP ZERO WHEN THE LENDER PULLS IT. WILL THAT HELP US IN ANYWAY.
Was it re-inserted? If so did they give you the proper 5 day notice? If not then it has to come off for violation of the FCRA.
You need to call them now, demand to speak with their legal dept and tell them that if it isn't removed by this time tomorrow that they will be paying for that house. You need to fax such and such to the legal dept.
But was it reinserted? or do you only have a letter from the furnisher saying it was to be deleted. No - if you dispute, everything is there.
