Mortgage Broker Pulled Credit Without Permission Help!!

[bellagad]

since my story is out in left field and now you are a lawyer all of a sudden i see the mantality i am dealing with let me make it real simple. identity theft is a crime. and yes it is a felony. and yes she is being charged and the charge is sceme to defraud it is a e felony and holds a 1 to 4 year prison sentence. and since arizona holds the highest id theft in the country i see no problem with this going all the way, the illegal immigration problem in az has caused the justice system to go hard on any id theft cases. since i have on tape her telling her boss that i gave permission i see this as a cut and dry case. and yes you and i are taking this to a level i rather not go to. i know i have learned this much, i have to be real careful dealing with mortgage brokers and people in the profession. and since you say you are in the mortgage business instead of playing the laywer out in left field how aboiut directing me to a mortgage company that can actually work with me and not against me. if you dont know then please ask one of your alter egos. the laywer or the credit repair guy. maybe they would know, and as far as everyone and there mothers last name, a total of 11 people in the united states hold my last name and i am related to all of them,even the dead ones. as far as the ss number that has yet to be fiqured out but i assure there is no way in the world i would even give mine or my wifes ss numbers out especially since i am on the east coast and it was done a month after i moved, still a lot of pieces missing but i will get to the bottom of it regardless

[tinroofrusted]

since my story is out in left field and now you are a lawyer all of a sudden i see the mantality i am dealing with let me make it real simple. identity theft is a crime. and yes it is a felony. and yes she is being charged and the charge is sceme to defraud it is a e felony and holds a 1 to 4 year prison sentence. and since arizona holds the highest id theft in the country i see no problem with this going all the way, the illegal immigration problem in az has caused the justice system to go hard on any id theft cases. since i have on tape her telling her boss that i gave permission i see this as a cut and dry case. and yes you and i are taking this to a level i rather not go to. i know i have learned this much, i have to be real careful dealing with mortgage brokers and people in the profession. and since you say you are in the mortgage business instead of playing the laywer out in left field how aboiut directing me to a mortgage company that can actually work with me and not against me. if you dont know then please ask one of your alter egos. the laywer or the credit repair guy. maybe they would know, and as far as everyone and there mothers last name, a total of 11 people in the united states hold my last name and i am related to all of them,even the dead ones. as far as the ss number that has yet to be fiqured out but i assure there is no way in the world i would even give mine or my wifes ss numbers out especially since i am on the east coast and it was done a month after i moved, still a lot of pieces missing but i will get to the bottom of it regardless

I know several, actually.

Wells Fargo, Countrywide, Wilmington Finance (they are especially great), New Century, and the list goes on.

All of these companies have subprime financing, and are on the East and West Coasts, and have local companies to work with.

I won't even address the other issues. Now this woman has stolen your identity?! What next? Aliens are going to be beaming down new credit reports for everyone?

In all seriousness, what is your beef with this particular woman? Do you know her personally? Have you had previous business dealings with her before? (I have a feeling the answer is yes....) If this is something personal that you have with this woman, and not the matter at hand, it needs to be addressed, with this woman.

I think that you NEED to speak to an attorney, and one who is well-versed on identity theft. If they can find any permission, written or recorded verbal, that you gave them to pull your credit, then you are screwed on this one, to put it simply.

[Minnymouth]

Sooooo,
According to what I UNDERSTAND.......

You purchased a motorcycle from this girl previously..... so, yes you knew her!!

One question - DID YOU HAVE THE MOTORCYLE DISCHARGED IN YOUR BANKRUPTCY??? And then move out of state???

She works for a Mortgage Company?....... who in turn (she) did a hard pull on your credit bureau making your credit score lower...... without a SS# ??

You supposedly have "on tape" her stating to her boss that you gave her permission to do the pull!!!! DID YOU TELL THESE PEOPLE YOU WERE TAPING THEM (before the conversation started) - IF NOT, IT'S ILLEGAL........... will not hold up in Court or be submitted in Court.

You stated that Oct 05 you were truck hunting with 2 dealers, then you had 54 inquires in your wifes name and 22 in your name.... I do believe that would have a great impact on your credit score!! Any contact with any mortgage company (house hunting) would result in a hard pull also.........

Bankruptcy itself leaves a great impact on your credit score........

Any financial paper with your SS# on it submitted for a loan, rent, mortgage, vehicle purchase, bank account, new drivers liscence, tags, registration, application for a cc card, would be subject to a credit pull.......

Now as far as the incident with the girl and the finance company. Did you finance the motorcycle thru this company.....???

You stated that all this started 3/21/06....................???? This is when you found out about it and contacted everybody. Okay, thats 7 days..........till today..........

And all this has happended.

You discovered credit pulls.
You contacted company and found out who did it.
You called company and made your demands...
You mailed letters to credit bureaus, financial company, Attorney Generals Office, FTC, etc.......
I'm sure the Attorney Generals Office and FTC would not yell "identity theft" without a proper investigation.
You have had several conversations on the phone with the President of the Company......
Now you have decided its Identity Theft....... and you want her in jail.

AMAZING............. 7 days - and ALL THIS.............. not hardly time for the mail to arrive, huh!!! Much less get an answer.......

Okay, you may have a case of identity theft.... who knows.

BUT YOUR STORY IS - UN-BELEIVABLE based on your time frame.......

I hope you do have a ID theft case..... too many get away with it.....

Only thing is "has she used your identity"???? If not, no case!!!

If this person did pull an unauthorized credit report, then yes she should be dealt with. Which is usually a fine..... and the company she works for will be fined also. Fired for it - I doubt it........

If she used this pull on your credit report for ID Theft purposes and "caused you expense" or charged to your accounts - yes its a feloney!

If she has not been using your SS#, name, address, phone, cc cards, etc - there is no ID THEFT involved.

In opinion,

TOO MUCH GOING, IN TOO SHORT TIME FRAME

But good luck anyways, if you think you have a case........

Credit rebuilding is hard, and "hard pulls" make it even harder!!

Also -
The members of this forum can understand and sympathize with your frustrations and the urge to reach out and choke somebody that has helped destroy whats left of your credit that bankruptcy didn't ruin.......

The members of this forum are not irresponsible, stupid people, and many of them are very knowledgeable in their fields. Many are professionals.........

We are here to listen, and offer suggestions................. to help if we can.... to get this problem resolved for you if possible.

There is NO EXCUSE for name-calling and rudeness if you do not agree with someone............

We understand your situation, sympathize with your problem, but we do not have to put up with your insults and rage that you are feeling these days!!

Food for thought,

[bellagad]

another laywer in the house, maybe since i am now discharged i can go to that school to. as for taping the conversation you bet i researched the law before i did tape it, and your right i am frustrated. and then instead of getting advise i get the laywers and mortgage brokers coming out from under the rocks, but i do thank you for your input at least you deserve credit for the effort of involvement. as far as any damge which was caused, i have to ask you to look into your crystal ball and tell me,and she has been charged for this before that would be a good reason why they are calling me and trying to squash this, i will mail you a copy of the settlement when it is over....

[aa06a47]

bellagad, as Mini said, we sympothize with you. I have done some research on my own, and to the life of me cannot find where someone can do a credit pull without a social secuirty number. With all the John Doe's around, how can they know they are pulling the correct one with just your name? I do think it deserves investigation and fines if wrong doing is involved.

Sometimes we have to look in the mirror instead of a crystal ball to determine what our future is going to be. And sometimes we have to rewind our past to know why we are in the situation we are in. You credit score sucks because you filed bankrutpcy and have, since your discharge, obtained and used additional credit lines. If you accept this, you can live with less anger towards those your trying to borrow more money from. Don't expect the credit to flow as easily as it did pre-bk.

No, I'm not a lawyer, and not a professional money manager, or a mortgage expert. I am a common citizen who understands your flustration, but at the same time must say you cannot continue to go on blaming other people for not getting those loans you want now. Past money management is your biggest enemy right now.

[anonymuse]

I've been trying to stay out of this conversation; but if there's one thing we've learned (or should have learned) by being in debt is PERSONAL RESPONSIBILITY. Any of us could be teetering on the edge of our FICO score and it just takes one more push to get it over the edge. Blaming one person for destroying everything isn't taking any responsibility for your score before that.

Yes, she broke the law, but identity theft--IMO, that's going a little far.

**retreats back off soap box**

[bellagad]

well i have to say aa, thank you for your kind words and for waking me up, i am reallly pissed about the whole deal because at no given time was she given permission. and any deal i had with her was a 1 2 3 transaction, someone commented about the motorcycle being in the bk. we are talking about a 50.00 p.o.s. that was in her garage. end of story,regardless of the fact with all my frustration and going back with other people on this board is of no use at all, aa put it the best way and whatever happens no one knows,even though i hated going into bk i have to say it made me aware of what goes on with a persons credit and i now take it very seriously. made a little to much but thats ok. thanks for everyones imput, i am now going to a steak dinner and stab my potatoes to get my frustrations out

[Minnymouth]

bellegad,
You don't think I didn't go into a "RAGE" when the Trustee took my home and sold it because some A@@@@ at a mortgage company failed to file their lien 9 years ago and nobody knew.............

If I could have gotten my hands on the mortgage people and a Trustee, I would probably be in prison right now......

My home was seized, and sold, because of a clerical error made 9 years ago...... not because I filed bankruptcy, or surrendered it (I reaffirmed) BUT BECAUSE of a clerical error some fool made 9 years ago!!!!!

RAGE WAS NOT THE WORD............... I was devastated for almost 2 years till they sold my home..........

Every door I knocked on regarding it I got told "sorry about your luck, lady"..... the judge, US Trustee, Trustee and my attorney were all *******s........

Everyone made sure I couldn't due a Chapter 13 to save my home - they all saw $$$$$$$$$$$....

The mortgage company that made the error demanded that it go to auction..... as a creditor.....

No one knows more about RAGE than I do...... and I'm still fighting mad, but I'm also like you - I'M NOT STANDING STILL FOR THIS BEING DONE TO ME....

My BK case is over, my house was sold on auction block - and I was fortunate enough to buy it back from the people that bought it!!!

Now, I have a lawsuit pending...........I'm going after EVERYONE'S ASS, and I hope they got money in their pockets...........

It's called:

Lender negligence of a Title Company, Mortgage Company, and Bank
Malpractice of an Attorney
Abusing the Power of the postion of a Trustee

SO YES, I DO UNDERSTAND WHERE YOUR COMING FROM....

I understand the rage, the frustration, etc.....

If this girl has done the before - GO FOR IT........CLEAN HER CLOCK and go for feloney charges if called for!!! And force the company she worked for to make your credit report correct..... Be sure they too are fined....

If attorneys are on this forum, they don't practice law here..... and I'm sure there are a few lurking around. Lots of law students doing research pop in now and then.

Most of us are everyday "joes" and "working folk"..... who hard times have smacked us down for one reason or another.

Bankruptcy is the "hardest" thing in my life I have ever dealt with.... Even the death of family members was not this stressfull in my life.... and death is known to be very hard to deal with.

While in bankruptcy your hands are tied!! Your life is at the mercy of the Judge, US Trustee and Trustee - they own you body and soul.......... until they declare "its over"......

Good luck to you, do what you feel you need to do to solve the problem.... and make you life back right again....

Keep us posted on what steps you are taking and how it all is turning out....

Minny

[Minnymouth]

During the last 2 years I have "busted" many a water balloon against the fence in the back yard.......................... each on with a name on it.....

The frustration has to come out, one way or another, cause it will eat you alive if it doesn't........

Works for me................. maybe not someone else.....

Minny

[bellagad]

minnymouth thank you for your comment. i am mad and after i had a great dinner with the family i realized one thing. while yes i am the average joe i am also a person who doesnt take bull. but at the same time here is a dose of reality for me, the bk was a hard thing to do, and if it wasnt for a good friend pusing me i would never had done it, but at the same time since my discharge and learning everything i know now about credit i said to myself at 41 years old i am finally waking up to just how irresponsible i was with my finances over the years. bk is supposed to be a second chance. since i already failed once i refuse to do it again. and i will be damned if i am going to let some az tweaker try to damage my credit. while i am very frustrated i am also not going to let it rent space in the head, but what i will do is everything in my power to make sure this company is fined and she pays for her behaviour, what will happen i do not know but so far so good and i look forward to eventually getting into a house and a garage of course..... thanks again for your thoughts

[Minnymouth]

I was told over, over, and over again by my attorney that my case was a simple Chapter 7, and THAT I WOULD NOT LOOSE MY HOME......

Well, thanks to my attorney, I did!!!! Even the Trustee said "blame your attorney for this!!!" - he should have seen this coming.....

Yes, the rage is internal, the frustration can be overwhelming....... AND BELIEVE ME, NO-ONE will EVER have me in this position again in my lifetime.....

My attorney lied to me to make his buck............... at my expense!! When he discovered he had made an "error" - he started covering his own ass..... he no longer worked in my best interest.... just "sorry about your luck, lady"......

Paybacks are going to be hell....... am I bitter - YES - 2 years of pure hell dealing with this has took it's toll on me and my health..... and health wise I'm not the same person I was 2 years ago..... physically or mentally......

The company that caused the major problem to begin with - came out smelling like a rose!!!!

They received house payments, interest, and $20,000 downpayment over 9 years....... then received half the proceeds of the sale and they never even had a lien....................... I LOST EVERYTHING...... including 9 years of improvements to the property in the tune of $15,000 or more.....

And this company just smiled and walked away.....

Yes, I'm going for BLOOD............. AND THEIR POCKETBOOK.......

Minny

[bellagad]

if you need my sniper rifle let me know, i will even hold the ladder while you climb to the roof

[Minnymouth]

Thanks for the use of the rifle - but I'm using a SHERMAN TANK when I start...... I intend to leave "lots of marks"......

Minny

[bellagad]

well i guess my anger paid off this time. i recieved a letter today from the president of the company stating they would like to settle the issue and to call them. havent decided what to do as of yet. any advise would be great

[xapooh]

If I were you, even though they may have been wrong. Go about handling this in an adult and professional manner. Request that they delete the negative inquiries from your file and send you a letter in writing stating the terms of the agreement. By being cruel you won't get anywhere. Place your terms of the settlement in writing, document everything (dates, times, mailed dates, etc.) so should they not handle things professionally you have back up. Again, I say don't go into it making threats, that will only make the situation worse. I hope you take this advice and we all wish you well.