On January 3rd, 2011, I was notified of the final forclosure on my home which i had financed through Household Finance Industial Loan Company of Iowa.
Yesterday (February 22, 2017) i got a copy of my credit report because my son and i are trying to buy a home together for our mutual benefit. on it was a debt to Real Time Resolutions for the previous balance of $14,439, and a current past due balance of $4,221 due (for missed payments from 10/01/14) at $201/month. the house was sold on a tax sale for $28,672, and the new owner paid $34,000 for the house. i don't understand all these numbers. i would just think that if i no longer own the house and it was taken over by a lender, sold at tax sale, and re-purchased, i wouldn't owe any money??!
this is the first time I've known anything about this debt, which of course is completely messing up my credit report and score.
so now my credit score of course has dropped into the toilet and i will not be able to move and buy a home with my son.
And i am puzzeled, in addition to not receiving prior notice in 2014, nor any monthly statements, why the payments didn't begin until 2014 when the house was foreclosed in 2011, and re-sold by the bank in 2012.
could someone please explain how this works to me?
RTS does not follow Federal Bankruptcy guidelines nor the Fair Credit Reporting Act. I filed Chapter 7 bankruptcy a couple years back, there was an account for 3,789.00 included. suddenly last year this account shows up under RTS on my credit. I disputed it and contacted RTS. The rep apologized profusely, that she did see where it was in bankruptcy, even verified my Attorney's name and contact info. Also stated that it looked like the open date was changed a COUPLE of times and then was reopened !!! She said she would correct it. When I checked my credit report again, it showed the account as included in bankruptcy but still open. I called them back again they apologized, and said basically the same thing as the previous rep, and they would correct it, they did not. I have disputed with Credit Bureaus and RTS. I have disputed again, and again. they correct it then report it again. This last time, I received notification it would be removed, when I checked it was removed Sept 15 2016 and the REOPENED Sept 15 2016, as in COLLECTIONS. not included in Bankruptcy. I disputed it AGAIN , and contacted RTS again, they said they say they see an open date but not where they ever included it in bankruptcy, that this account was opened after my bankruptcy, (how do you know when I filed, if you do not see it ever being included in bankrupty) And they said they did they have my attorney contact information. The reps before were the ones who told ME, my attorny contact info. Funny how they said it was opened AFTER my filing, when they said they never saw it included in my bankruptcy, and they no longer have my attorney contact info when TWO of their reps before, told it to me without me even having to ask them. I faxed a copy of my credit report over to them for the PROOF of it being reported by THEM in bankruptcy. Seems this company keeps getting away with this, I contacted my bankruptcy lawyer As well as BBB. I had AAA credit before, a death in the family, and I am battling like hell to recover, this company has chose the wrong girl to play their scamming games with.
Real Time Resolutions, Inc. Reviews
On January 3rd, 2011, I was notified of the final forclosure on my home which i had financed through Household Finance Industial Loan Company of Iowa.
Yesterday (February 22, 2017) i got a copy of my credit report because my son and i are trying to buy a home together for our mutual benefit. on it was a debt to Real Time Resolutions for the previous balance of $14,439, and a current past due balance of $4,221 due (for missed payments from 10/01/14) at $201/month. the house was sold on a tax sale for $28,672, and the new owner paid $34,000 for the house. i don't understand all these numbers. i would just think that if i no longer own the house and it was taken over by a lender, sold at tax sale, and re-purchased, i wouldn't owe any money??!
this is the first time I've known anything about this debt, which of course is completely messing up my credit report and score.
so now my credit score of course has dropped into the toilet and i will not be able to move and buy a home with my son.
And i am puzzeled, in addition to not receiving prior notice in 2014, nor any monthly statements, why the payments didn't begin until 2014 when the house was foreclosed in 2011, and re-sold by the bank in 2012.
could someone please explain how this works to me?
RTS does not follow Federal Bankruptcy guidelines nor the Fair Credit Reporting Act. I filed Chapter 7 bankruptcy a couple years back, there was an account for 3,789.00 included. suddenly last year this account shows up under RTS on my credit. I disputed it and contacted RTS. The rep apologized profusely, that she did see where it was in bankruptcy, even verified my Attorney's name and contact info. Also stated that it looked like the open date was changed a COUPLE of times and then was reopened !!! She said she would correct it. When I checked my credit report again, it showed the account as included in bankruptcy but still open. I called them back again they apologized, and said basically the same thing as the previous rep, and they would correct it, they did not. I have disputed with Credit Bureaus and RTS. I have disputed again, and again. they correct it then report it again. This last time, I received notification it would be removed, when I checked it was removed Sept 15 2016 and the REOPENED Sept 15 2016, as in COLLECTIONS. not included in Bankruptcy. I disputed it AGAIN , and contacted RTS again, they said they say they see an open date but not where they ever included it in bankruptcy, that this account was opened after my bankruptcy, (how do you know when I filed, if you do not see it ever being included in bankrupty) And they said they did they have my attorney contact information. The reps before were the ones who told ME, my attorny contact info. Funny how they said it was opened AFTER my filing, when they said they never saw it included in my bankruptcy, and they no longer have my attorney contact info when TWO of their reps before, told it to me without me even having to ask them. I faxed a copy of my credit report over to them for the PROOF of it being reported by THEM in bankruptcy. Seems this company keeps getting away with this, I contacted my bankruptcy lawyer As well as BBB. I had AAA credit before, a death in the family, and I am battling like hell to recover, this company has chose the wrong girl to play their scamming games with.