Mood:
cheekyNow Playing: Day 2893-Chapter 3... Happiness~My Silver Lining
Well look who found the Elfie blanket, Kitty Klaus pillow and Snoreo's polar bear friends... hehehehehe!
Another early morning photo opportunity of sheer CUTENESS!
Not only did my phone wake me up at 8am. But so did Eric's long awaited conference call with the CEO's office and senior financing department regarding a whole slue of errors being reported with the credit bureaus. There has only been 2 months of actual correct payment reporting with Eric's VA mortgage loan. I spent the past few days pulling credit reports from all three bureaus over the course of the past 13 months. What a mess! Not only has there only been 2 correct months of mortgage payments that were reported by the bank to the credit bureaus. But as well payments posted by the bank are then showing up months later as not being paid. November and December payments from last year was reported correctly. Then magically both payments disappeared from all three credit bureaus from April 1st till present.
Talking about a HUGE April Fool's Day joke!
It's not only... not funny. But even our own personal bank underwriter looked at the various reports showing all sorts of inaccuracies and advised Eric that he stay on top of the bank whom holds our mortgage loan. The payment paper trail of cashed checks by the mortgage loan holder doesn't even come close to matching the inaccurate mess turned into the credit bureaus, per month, over the course of the past year. I have a good inkling that it's going to be awhile before this entire mess slowly becomes unraveled. Eric really should had stayed on top of the bank every single week. At least twice a week over the past three months when I accidently stumbled across the huge error reporting with our mortgage loan. Rule to the wise... problems in life will not just resolve on their own. Mere pretending that problems don't exist won't solve the problem either. Not caring only says one thing... lazy. One must stay on top of important issues. Not just mere brushing them off to the side. Like... making monthly payments two weeks prior to their due date with your home mortgage loan and making absolutely sure that the bank is reporting them correctly to all three credit bureaus.
Unfortunately, no one can buy our home right now. This after we already had two potential buyers interested in possibly going under contract with our home. We can't even sell our home right now until the bank corrects each and every single error with the credit bureaus. Every single mortgage payment that has been made must reflect as being paid on that specific month, over the past 13 months, with all three credit bureaus. Correctly, timely and accurately as we have done so with making payments each and every month. I don't look at this as a permanent issue, because it will get corrected. The problem is that it didn't need to get so out of hand if one is wise enough to handle issues as they arise. Not wait until my foot gets planted firmly down... ultimatums. But ahhhhhh yes... some times we must learn things in life and learn them the hard way. Eric spent quite a few hours on the phone over the past 3 days. This mornings conference call was the first step going into the right direction of getting the reporting corrected and his FICO score as well changed accordingly to reflect all payments that have been made over the past 13 months.
Needless to say. I can't do it all and not all the time.
It's a shame that you assume the bank is reporting your monthly payments correctly as any bank should with your mortgage loan. But sometimes all it takes is one person at corporate level to really mess things up with not reporting or inaccurately reporting payments to all three credit bureaus. I have always been the type of person to stay on top of my credit. I think that same should apply to everyone. Because you just never know if and when major errors are sitting there waiting to be discovered on your credit report. Keeping a close eye on your credit reporting is as easy as signing up for free credit monitoring. Companies such as, Credit Karma are not only easy to sign up for, but as well they are FREE. It's a no-brainer if you ask me!
As for Eric... lesson learned.
Tomorrow is a new day. At least for one of us anyhow. Hahahahaha! As for myself. I now have the privilege to sit back, enjoy the ambiance and twinkling of the Christmas tree lights and say, "I told you so." Hehehehehehe!
