Wow, today is a bad day for everyone. First off I am so ticked off at my mortgage company that I am seeing red. Here is a little background:
My husband and I have sparkling clean credit, never had any problems. Well when we purchased our home, the mortgage company made an error and posted 2 of our payments to somebody else's account. We noticed it and called them, and they corrected it. No big deal. Ok, fast forward 2 years, my husband receives a copy of his credit report and we notice that we have a delinquency on our mortgage from those same two payments. So we call them, and fax them everything, and they say "oh yes it was our error, we will correct it". They even sent us a letter saying that it would be off of the credit report within 60 days.
Ok, fast forward again to today. I call my bank to apply for an equity line so we can do some renovations, and they have a call center where you just get approved right while you wait. So, the girl takes all my info, then puts me on hold, then comes back and says "I don't see any problems at all, but can you tell me if there is an explanation for the deliquencies on your mortgage just so I can notate it in your file". I was like "what the *&#@*&$&@" ??????
So, I explained it all to her and although she was very understanding and said it would probably have no effect on our equity, I was really angry that they hadn't fixed it.
So, I call the mortgage company, and they look thru the file and say, yes we did fix it and we don't know why it didn't go thru. Go ahead and fax everything AGAIN and we will take care of it.
Can you say incompetent
??????????? I was so irritated that I was finding it hard to stay calm.
Sorry about the rant. But boy, it feels good to just totally let it out, cause I am still fuming. I called them this evening, and they said it was 'taken care of' and should be off of the report within 60 days again. We'll see.
If its not off this time, I'm contemplating buying a plane ticket to WA state and going to see them in person to be sure its fixed. LOL
Whew, I feel better now!!!!!!