Would I be Wrong?

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I was working with a mortgage broker on a mortgage that I wa previously approved for in 2/07. In June when he ran my credit again, he says that multiple negative accounts are showing on my reports plus a bankruptcy. The accounts/BK are not mine. When I pull my reports, I do not see these accounts. (I had seen the BK previously but disputed and it was removed on 2 bureaus and it stayed on the 3rd but he said it didnt really affect me cause it was reported as dismissed, so I figured I would wait 3 months and dispute again. I never saw the accounts though.) The loan officer is saying that my reports are pulling up 2 social security numbers, I have already verified my social to him. I think those negative marks are from that other number. He is telling me that there is nothing else he can do. He suggested I contact the credit bureaus to straighten it out.He mentioned a quick rescore but said it was too expensive.Would I be wrong to go with another lender at this point? What should I do
Finally got a copy of the report from the loan officer. It is showing multiple accounts in BK. I called each credit bureau today and I am still being told that those items do not pull up on my current report. I did fax the CRAs copies of my ss# and driver’s license. I hope that work.

  1. Reply
    February 8, 2011 at 9:18 pm

    Go to another lender
    He’s not trying are he would give you a print out to help you straighten things out.

  2. Reply
    February 8, 2011 at 9:56 pm

    No, it wouldn’t be wrong at all. Always work with more than one person to get 2nd opinions, especially if you don’t trust someone. I applied for a mtge a while back and there were things on my report that didn’t belong to me, it belonged to someone else who shared the same exact name but with different SSN. The lender told me it happens, so all I had to do was give them something in writing to tell them that it wasn’t mine. I thought it was going to be a big deal, but the lender made it work out just fine.

    Be careful with mortgage brokers. It is not hard to become one. Some are not experienced at all and they’re just looking for commission, so you need to do your homework as well. This is part of the reason why we’ve had so many problems with the sub-prime mortgage.

  3. Reply
    February 8, 2011 at 10:05 pm

    I would RUN to another lender. This person obviously is not trying to assist you the way they should.

  4. Reply
    Pamella A
    February 8, 2011 at 10:55 pm

    Go to another lender . Get free Quotes from 1 or 2 and compare and then choose one. It will be better for you. Now a days you can get free Quotes from lenders.
    To know more you can visit

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