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Vasaris, the Fuzzy Dragon
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March 2014
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Vasaris, the Fuzzy Dragon [userpic]
Be proud of me --

I've managed to actually do something toward finally getting the house completely into my name. And, once again, HFC is evil.

I called them about the fact that I haven't received paperwork regarding the release of the lien against the house for the mortgage. After a bit of a runaround I end up with the Title company, which informs me that the first apparently open lien has been released but the second, held by -- and what a shocker here -- HFC hasn't been. It's very strange, too, given that it's a lien for the home-equity line of credit (I think), which was paid off by the life insurance. Sooooo. WTF?

Supposedly HFC will look into it. I'm not holding my breath.

I think it's a leftover from the last re-finance mom did, where her account/loan# changed yet again and they were just lazy bastards. Shocker.


I'm sorry to hear you're going through this with these people, again.

We filed bankrupcy (chapter 13)because the credit card companies would not work with us. They can be cold heartless bastards.

We will never have credit cards again. We do everything but our mortgage with what Larry makes each week now. I have a trip to Mayo in a month and was debating whether to go because of the cost but Larry did our taxes and we'll get a small refund but it's enough to go, so I can take the trip. I believe God does watch over us.

I sure hope you get this fixed. I think there is something about your credit report that says they have to remove any errors within a certain period of time. I remember reading about a couple that filed suit against one because the credit report was wrong and they got over a million dollars in the suit settlement.

Here is what I found on that from the Better Business Bureau. The CRA is required by the Fair Credit Reporting Act to check the claim within a "reasonable period," usually 30 days. If the disputed item is wrong, the CRA must correct it. If the CRA cannot verify the disputed item, it must delete the item. The CRA are credit reporting agencies.

So I would get the credit report and send in a dispute, or just tell them you're going to file suit if they don't remove it in 30 days. It might be enogh to get them moving.

I hope you're doing OK. I know it must be coming up on the one year anniversary of your Mom's death if not already. My heart is with you.

Hugs, Christina

As a member of the tribe of the Being Good At Shunning Intimidating Stuff That Needs To Be Done, I am very proud of you.