Question:
In refinancing my house, they found on my credit report a mortgage foreclosure of $700 from an apartment lease I had broken 6 years ago. How can they have put this as a mortgage foreclosure? There was no title, it was just a regular apartment lease. I can't get ahold of the apartment company and I don't know how to get it off my credit report.
Answer:
go to to www.annualcreditreport.com and dispute it.
but it doesnt matter what it says it is not a foreclosure because it was never an installment loan - its in your charge off's or public record accounts
Simply file a dispute with the credit agency. While the matter is in dispute and being researched, it will have no bearing on your credit. and remember, that it will be purged after 7 years anyway, so you're almost home.
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