So confused! Financial experts/lawyers warning please....?
Ok, this is going to be kind of long, and I don't want any smart remarks or know it alls to answer this for me....I need some solid advice..
My husband and I just put within for a home loan. We found out that his equifax credit score is 422 which shocked us because we couldn't figure out why it be so low. We knew that our credit wasn't that great, but never knew it be that low! My husband checked his credit scores with experian and the other place a few weeks put money on and it said it was over 620.Ok, my husband got intouch next to equifax to find out what was going on and they told him that a chapter 13 had be filed on his credit and that he had tolerate a house go back....The unnatural thing is that we have NEVER file bankruptcy and we've never owned a house to be able to consent to it go back! So, we hold an idea of what it could be.My horrible mother in-law had a house that she permit go back around the time that it's showing on his credit.she have asked my husband for his social security number so she could add him to her insurance as a beneficiary.I'm wondering if she didn't tale about that, and really got his ssn to sign her house over contained by his name.Could this be possible with out him knowing it? She would hold had to forge his signature and all right? What could we do more or less this if this is really what happened? I mean at hand is no other logical explanation....I know, my husband should have never gave out his ssn, but it's his mother for crying audibly! We never knew that she was going to flip out...and yea, she totally flipped out (lost her mind) no offense.I'm confused and want some advice.needless to enunciate we were turned down for the home loan :(
Is it possible that the credit bureau made a mistake and confused my husband with some other guy near the same name?
Answers:
Is your husband a JR. That could be it. My in laws credit be on my husband because they had the same christen. But from experience equifax computs there scores different from the other 2 companies and is other lower. Ask anyone there score is other lower, I dont know why. But were I would start is the county courts because it is all public know-how. Go there and put in your husbands dub is should pull up all cases against him, if here ever was any. And it will show all tangible estate that he owns. If your In law did use his SS# he had to enjoy been contacted somehow to go to court and to sign bad on the bankruptcy. Most likely she didnt do this but if she did defiantely contact a attorney. But I ahve been through bankruptcy and nearby are just to many steps to bear to forge someones ss# and signature. But go to the court house and find out for sure.
Good Luck
If I were you, I'd see a attorney ASAP
It is conspicuously a mistake and you should have the debt validated by the credit reporting agencies. They by statute under the FCRA, have a 30 light of day time limit to validate this debt. If they can not search out the legal proof that this bankruptcy file is your husbands, then they will have to remove it from you credit report.
The probability of his mother using his SSN and transferring the house into his name would be very unyielding to do. Most property transfers require the signing of paperwork in person next to a lawyer or at a title company and signatures must be notarized. This is where the CRA's would enjoy to see copies of legal documentation of the transfer to demonstrate this as his debt.
If she did manage to do so, then she would be facing criminal charges and you could also wish civil action in court. There would be no benefit to her to profile bankruptcy under his term as it would not help her at all, it would individual be a vindictive act.
Here is a link on information from the FTC on how to dispute next to the CRA's. If you follow these guidelines you should have no problems
http://www.ftc.gov/bcp/menus/consumer/cr…
Download a pdf file concerning how to dispute with CRA's
Hope this answers your question
LEGAL DISCLAIMER: The warning contained herein is for informational purposes only. It is not to be construed as Legal Counsel nor Legal Advice. Source(s): 18 USC Chapter 25
It would have be EXTREMELY difficult to forge his signiture and put a loan in his may because those signitures are notorized. It is more likely to be identity pocketing. Call the bureaus and find out what the address is of the foreclosure and anything else that is derogatory. If it looks like fraud, wallet a police report then dispute it with the bureaus.
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My husband and I just put within for a home loan. We found out that his equifax credit score is 422 which shocked us because we couldn't figure out why it be so low. We knew that our credit wasn't that great, but never knew it be that low! My husband checked his credit scores with experian and the other place a few weeks put money on and it said it was over 620.Ok, my husband got intouch next to equifax to find out what was going on and they told him that a chapter 13 had be filed on his credit and that he had tolerate a house go back....The unnatural thing is that we have NEVER file bankruptcy and we've never owned a house to be able to consent to it go back! So, we hold an idea of what it could be.My horrible mother in-law had a house that she permit go back around the time that it's showing on his credit.she have asked my husband for his social security number so she could add him to her insurance as a beneficiary.I'm wondering if she didn't tale about that, and really got his ssn to sign her house over contained by his name.Could this be possible with out him knowing it? She would hold had to forge his signature and all right? What could we do more or less this if this is really what happened? I mean at hand is no other logical explanation....I know, my husband should have never gave out his ssn, but it's his mother for crying audibly! We never knew that she was going to flip out...and yea, she totally flipped out (lost her mind) no offense.I'm confused and want some advice.needless to enunciate we were turned down for the home loan :(
Is it possible that the credit bureau made a mistake and confused my husband with some other guy near the same name?
Answers:
Is your husband a JR. That could be it. My in laws credit be on my husband because they had the same christen. But from experience equifax computs there scores different from the other 2 companies and is other lower. Ask anyone there score is other lower, I dont know why. But were I would start is the county courts because it is all public know-how. Go there and put in your husbands dub is should pull up all cases against him, if here ever was any. And it will show all tangible estate that he owns. If your In law did use his SS# he had to enjoy been contacted somehow to go to court and to sign bad on the bankruptcy. Most likely she didnt do this but if she did defiantely contact a attorney. But I ahve been through bankruptcy and nearby are just to many steps to bear to forge someones ss# and signature. But go to the court house and find out for sure.
Good Luck
If I were you, I'd see a attorney ASAP
It is conspicuously a mistake and you should have the debt validated by the credit reporting agencies. They by statute under the FCRA, have a 30 light of day time limit to validate this debt. If they can not search out the legal proof that this bankruptcy file is your husbands, then they will have to remove it from you credit report.
The probability of his mother using his SSN and transferring the house into his name would be very unyielding to do. Most property transfers require the signing of paperwork in person next to a lawyer or at a title company and signatures must be notarized. This is where the CRA's would enjoy to see copies of legal documentation of the transfer to demonstrate this as his debt.
If she did manage to do so, then she would be facing criminal charges and you could also wish civil action in court. There would be no benefit to her to profile bankruptcy under his term as it would not help her at all, it would individual be a vindictive act.
Here is a link on information from the FTC on how to dispute next to the CRA's. If you follow these guidelines you should have no problems
http://www.ftc.gov/bcp/menus/consumer/cr…
Download a pdf file concerning how to dispute with CRA's
Hope this answers your question
LEGAL DISCLAIMER: The warning contained herein is for informational purposes only. It is not to be construed as Legal Counsel nor Legal Advice. Source(s): 18 USC Chapter 25
It would have be EXTREMELY difficult to forge his signiture and put a loan in his may because those signitures are notorized. It is more likely to be identity pocketing. Call the bureaus and find out what the address is of the foreclosure and anything else that is derogatory. If it looks like fraud, wallet a police report then dispute it with the bureaus.
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