Quote:
Originally posted by Oz
If you are well documented over that 2 years old blemish, you can place "rebuttal" information with the major credit bureau's which will also show up on your credit report. This should help when someone checks your report and views this info. Also, follow that up with hard copies for the mortgage company when you apply for your mortgage and you should be fine and avoid the expense and time of a lawsuit. |
Up until recently, I didn't even know there was this mark against my credit, but with getting a new mortgage I quickly found out it was there. I have unsuccessfully tried to come to an ameciable solution with Discover after countless phone calls and letters. The last credit card I applied for required an explanation of this 'black mark' on my credit. They don't care if that mark is for $50 or $50,000 - it counts badly against your credit. Other than that, my credit is spotless, so I am not going to stop until it is expunged from my record.