Heres the situation in a nutshell....my parents got screwed on their home loan and now the bank is foreclosing on the loan. They have till the 2nd of September to pay the bank $82,000 or there will be a lock put on the doors and the house will go up for auction. I am trying to get a loan to pay the b*st@rds at the bank so that my parents can keep their house. My problem is this....when the lender I am trying to go through tries to pull up my credit report, all they can get a report from is Experian.....Trans-Union and Equifax don't show any results, even though my credit card companies say they report to them. I have been trying to the last hour to find a phone number for Equifax and Trans-Union to call and see what the heck is going on, but they don't give out their number unless you buy something. Ok, pisses me off, but fine...only one problem though, they ask for my billing address but don't give any space for a Canadian address.....so I can't even buy a freaking report, which means I can't get the phone number. 
So I was wondering, do any of ya'll have credit reports that you could look on to see if there is a phone number on there that I could call to talk to a person instead of a recording? PLEASE PLEASE PLEASE help me out here guys. My parents are in their 60's and my mom has Lupus and Rhumatory Arthritis so she can't work, and my dad has been working his butt off trying to keep this house that they have lived in for the past 15 years. I am worrying myself sick over it and would appreciate anyone helping me out here. I just need phone numbers, that's all.
So I was wondering, do any of ya'll have credit reports that you could look on to see if there is a phone number on there that I could call to talk to a person instead of a recording? PLEASE PLEASE PLEASE help me out here guys. My parents are in their 60's and my mom has Lupus and Rhumatory Arthritis so she can't work, and my dad has been working his butt off trying to keep this house that they have lived in for the past 15 years. I am worrying myself sick over it and would appreciate anyone helping me out here. I just need phone numbers, that's all.
I just wish I could call them and find out, but the fact that I am living in Canada, unfortunately, is making that very difficult. The way that they got into this mess is a long story, but basically there was some confusion about a payment 3 years ago where my dad paid the payment early and the bank applied it to escrow (???) instead of applying it to the principle balance. So then they didn't know that until after receiving a letter saying that they were foreclosing and were forced to file bankruptcy. So then fastforward to the last week and the payment to the chapter 13 office was due and I guess they had just enough $$ in the account for it, but Comcast double charged them and the chapter 13 office had already put the charge through before my mom caught the double charge and called them to explain. After that, they were no longer willing to work with them on the loan. They even tacked on close to $25,000 in interest for the 3 years it was under chapter 13, something to do with escrow, and lawyer fees. Then, as an extra slap in the face, the mortgage company, their lawyer, and the chapter 13 office refused to tell my mom what they owed after all of those fees were added up. So basically they were saying, "You need to pay us X amount by Sept. 2 or we will kick you out of your house, but we aren't going to tell you what X amount is." It was only after my mom going into the mortgage company's lawyer's office and refusing to leave unless they told her what she owed that they actually told her. She had to sit there for 3 hours to get that. It was a good thing I wasn't there from the way my mom said they talked to her. Anyway...now I am just ranting. Sorry guys, I just need to rant to someone. Thanks again for the replies, and if anyone knows anyway I can get ahold of these credit agencies, please let me know. Thanks guys.
Comment