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CHARGE OFFS ONLY ON 1 OR 2 REPORTS
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Posted by FB
(159.251.12.250) on May 18, 2002 at 03:38:48:
i HAVE FOUR CHARGE OFFS THAT ARE 1 AND 1/2 YEARS OLD. i LIVE IN THE STATE OF MO. MY PROBLEM IS THAT TWO OF THEM ARE NOT MINE. THEY BELONG TO A FAMILY MEMBER WITH THE SAME NAME.(I AM A JR.)THE CHARGE OFFS DO NOT APPEAR ON ALL THREE CREDIT REPORTS. i HAVE ALREADY DISPUTED THEM WITH THE 3 CRA AND ALL CAME BACK AS VERIFIED. I DON'T KNOW WHAT THE NEXT STEP IS. MY CREDIT IS GOOD FOR THE LAST 2YEARS, BUT BECAUSE OF THESE I AM PAYING VERY HIGH INTEREST ON CAR AND HOME LOAN. WHILE TRYING TO REFINANCE MY HOME LOAN,LENDER SAID THEY WOULD HAVE TO PAY OFF THE CHARGE OFFS AND INCLUDE THEM IN MY LOAN. COULD YOU PLEASE ADVISE ME ON WHAT AVENUE TO TAKE NEXT? SHOULD I ALLOW THE CHARGE OFFS TO BE PAID THROUGH MY HOME LOAN? THANKS IN ADVANCE FOR ANY ADVICE!
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