You probably can't, as this is Public Record. Court cases are a public record and all that credit reporting agencies do is search for your name in courts across the country. If they find a case, it goes on your credit report along with the type of action such as judgements, liens, Foreclosures, etc
The Fair Credit Reporting Act requires that items be removed if they are not fully 100% accurate OR can not be verified within 30 days.
Read section 609(c)(2)(E) of the Fair Credit Reporting Act. A consumer reporting agency is not required to remove accurate derogatory information from a consumer's file, unless the information is outdated under section 605 or cannot be verified.
If the foreclosure cannot be verified it must be removed, but keep in mind it is a matter of public record and can be reported unless you can get it set aside because of an invalid procedure based upon state or federal law.
[addsig]
OK thanks to all of you, I bought a house very young (and married too) I knew nothing about credit at the time... not to mention marrage. So needless to say I learned a very expensive and valuble lesson. :-x
Maybe.
You probably can't, as this is Public Record. Court cases are a public record and all that credit reporting agencies do is search for your name in courts across the country. If they find a case, it goes on your credit report along with the type of action such as judgements, liens, Foreclosures, etc
The Fair Credit Reporting Act requires that items be removed if they are not fully 100% accurate OR can not be verified within 30 days.
Read section 609(c)(2)(E) of the Fair Credit Reporting Act. A consumer reporting agency is not required to remove accurate derogatory information from a consumer's file, unless the information is outdated under section 605 or cannot be verified.
If the foreclosure cannot be verified it must be removed, but keep in mind it is a matter of public record and can be reported unless you can get it set aside because of an invalid procedure based upon state or federal law.
[addsig]
Try to dispute it through each of the 3 big credit bureaus...
[addsig]
OK thanks to all of you, I bought a house very young (and married too) I knew nothing about credit at the time... not to mention marrage. So needless to say I learned a very expensive and valuble lesson. :-x