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imtheprez · Feb 5, 2008, 01:58 PM

I have a problem.. Im applying for a home loan and this is holding me up. I have something on my credit report that should have been included in my bankruptcy 2 years ago. On my report it says the accout is open and there is a balance. I have called and spoke to 3 different people and they all say by law they can't send or fax me a letter stating this account has been charged off and included in my bankruptcy!! Is this true? I really need a letter stating this account has been included so I can show it to my lender.

Lowtax4eva · Feb 5, 2008, 02:09 PM

I don't think this is going to be your main problem when applying for a home loan if you declared bankruptcy only 2 years ago.

Can't you go to their offices and get these documents if they refuse to fax?

imtheprez · Feb 5, 2008, 02:18 PM

The bankruptcy is not the problem after 2 years it gets discharged... the creditor is hurting my credit score which my mortgage lender said once the letter is sent I can send letter to the credit bureau and my score will go up enough to get the loan I need.

Their office isn't located in the state I'm in.

Lowtax4eva · Feb 5, 2008, 02:27 PM

What about asking them to send the letter by courrier like UPS or something and give them a credit card to charge or something like that.

Just an idea, you'd at least get it quick and have a tracking number if something goes wrong.

imtheprez · Feb 5, 2008, 02:32 PM

They won't... they said by law they can't send that kind of info through mail or fax.. which is BS cause other creditors have sent me faxexs... who else can I contact to get a letter?