HOW DOW DO I CLEAR MY NAME AND HOW CAN I FIND OUT THE PERSON

dverastigue · Joined: 05 May 2008 Posts: 1 1.27 Dollars($)

somebody able to get home loan and refi in my name w/o me knowing it and now its foreclosed and i I saw it in my credit report and thats how I FOUND OUT

jameshogg

Oh god! this is strange. How can someone refinance in your name. Is that what the mortgage company told you? may be they are mistaken. Or may be it is a fraud. they're just harrasing you and taking more money from you. I can understand it's affecting your credit report, and that's what is bothering you a lot. But please don't worry so much. You need to keep your calm.

I suggest that you have a straight talk with the lender and requst him to check out from the County recorder if there is at all a mortgage recorded in your name and whether the property description given there is similar to that of yours. If you haven't taken a loan, there'll be no records as such. Also, you need to talk to the credit bureau to whom the information is being reported and dispute the false information.

I suggest you contact an attorney and take his help in negotaitaing wioth the lender and the credit bureau.

Thanks

larry · Joined: 27 Jun 2007 Posts: 2951 411.26 Dollars($)

Hi dverastigue,

Oh this seems the case of mortgage fraud. Contact the bank and inform that you have not taken any mortgage from them. Your credit score has been destroyed and they may also come after you for the deficiency judgment. So contact the back and fix the problem ASAP.

Take help from an attorney so that he can help you out.

Feel free to ask if you have any further questions.

Best of luck,
Larry

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