Mortgage Company showing incorrect bankruptcy information on credit reports!
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Mortgage Company showing incorrect bankruptcy information on credit reports!
I filed for Chapter 13 WEP 3/2004 and completed it 10/2008. Now the mortgage company put the payments for the past 2 years on my credit report 1 1/2 years as “late payments.” The last 6 I paid were shown as “on time” but all the rest that the Federal Trustee paid were shown as late payments by me. The credit agencies say they can do nothing as they only show the mortgage company’s information. The mortgage company says they won’t change it because its what their records show. I need help because this is making it impossible to reestabilish credit. Please tell me what I can do!
Asked on June 4, 2009 under Bankruptcy Law, Mississippi
Answers:
MD, Member, California Bar / FreeAdvice Contributing Attorney
Answered 14 years ago | Contributor
No, your bankruptcy is what is making it impossible to reestablish credit, not just late payments on a mortgage.
The only thing you can do is the following:
1. File a complaint against the mortgage company and mortgage servicer (if they are two separate entities) through the Mississippi Dept of Banking: http://www.dbcf.state.ms.us/
2. File a real estate attorney at www.attorneypages.com (check his or her record at the Mississippi State Bar).
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