BEST ANSWER
Pat,
This is very sad. The good news is you can challenge any derogatory entry on your credit report. That goes for any item that would have been included in the identity theft. This process takes 45 days to complete and is best done through the mail. The better news is, I can assist you with this process as part of my working with clients I coach many on credit repair. I provide you all the resources and materials free for my clients that want to buy a home. My extensive background in mortgage brokering and lending have given me a great expertise in this. If you going to use the first time home buyers tax credit you have to get going now. That credit only applies to closed home by Nov, 31, 2009. If you don't have a current credit report go to the links below and do the following.
1. https://www.annualcreditreport.com/cra/index.jsp Get a copy of your credit report every year free form the credit repositories. Don't be scammed by the guys that sing about a free credit report this is the real site. don't worry about your scores for now that will come later after the negatives are removed.
2. http://www.optoutprescreen.com You need to do this because if you get a credit inquiries it can extend the time the credit reporting agency have to answer the dispute by adding an additional 15 days. You don't what that. It will usually add 3 to 5 points to you score to be opted out. You can opt back in later if you want.
After you get that done call me and we'll get you on your way to get a home. You can call or email me or better both and I can help you get the challenge letter off. We should be able to get this handled in 45 days and get you to buying a home at the great prices we have here and get you a tax credit if you qualify.
salt lake homes for sale
Tue Jul 21 2009, 18:28
Fair Housing and Equal Opportunity