[griffin]

How Bizarre,

So for the last 2+ years I am convinced I have a foreclosure after having to walk away from my home and leave it to the bank - I was too depressed to look at my credit report since then.

Today I start digging around and find no court record of a foreclosure in my name even though it has been over 2 years since we lost the home to the bank. So I get all three of my credit reports and see no public report of a foreclosure on them either :eek:

So I dig deeper and see

- Experian
no negative reports from either of my mortgage companies.

- TransUnion shows 2 real estate accounts,
One of them (the second mortgage) with a balance of $62k, labled as a chargeoff and sold to another lender.
The other one (main mortgage) 120 days late with a balance of zero and labled as "FORECLOSURE AFFECTED BY NATURAL DISASTER"

- Equifax shows 2 real estate accounts
One of them (the second mortgage) witha balance of $0, labled as a chargeoff and sold to another lender.
The other one (main mortgage) 120+ days late with a balance of $266k and labled as "FORECLOSURE AFFECTED BY NATURAL DISASTER"

What should I do with these? The property was not damaged or anything by any natural disaster, (although there were huge fires around that time). Obviously I want to get those huge balances removed, but I don't want to make the foreclosure 'show up' when it doesn't show in my public records???

Crazy!!!!