Foreclosure Affected by Natural Disaster - What????

[griffin]

How Bizarre,

So for the last 2+ years I am convinced I have a foreclosure after having to walk away from my home and leave it to the bank - I was too depressed to look at my credit report since then.

Today I start digging around and find no court record of a foreclosure in my name even though it has been over 2 years since we lost the home to the bank. So I get all three of my credit reports and see no public report of a foreclosure on them either

So I dig deeper and see

- Experian
no negative reports from either of my mortgage companies.

- TransUnion shows 2 real estate accounts,
One of them (the second mortgage) with a balance of $62k, labled as a chargeoff and sold to another lender.
The other one (main mortgage) 120 days late with a balance of zero and labled as "FORECLOSURE AFFECTED BY NATURAL DISASTER"

- Equifax shows 2 real estate accounts
One of them (the second mortgage) witha balance of $0, labled as a chargeoff and sold to another lender.
The other one (main mortgage) 120+ days late with a balance of $266k and labled as "FORECLOSURE AFFECTED BY NATURAL DISASTER"

What should I do with these? The property was not damaged or anything by any natural disaster, (although there were huge fires around that time). Obviously I want to get those huge balances removed, but I don't want to make the foreclosure 'show up' when it doesn't show in my public records???

Crazy!!!!

[Trish]

Well, definitely dispute it if it is reporting incorrectly......by the sounds of it, they are way off.

Have you ever pulled your Lexis Nexis file? This maybe where the CRAs are getting their erroneous info.

I would challenge it like a judgment and use the letters in the disputing judgments thread. It's a public record and very doubtful that they got the information from the courts.