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Originally Posted by jemelton  I have a MAJOR MAJOR problem on my hands.............
I applied for a mortgage and got pre approved with my fiance. Around this same time, I paid some back state taxes that I had owed for about a year or so........... After my pre-approval, I get a credit alert...guess what??? A paid tax lien shows up on my report.
I called the local courthouse and also the state DOR and they are mailing me a letter to send to CRA that says that my debts have been paid and that there are no liens on my record. The guy at the state said that it will be removed from all of my credit reports like it never existed once they get this paperwork.
I am getting ready to formally "apply" for my loan tomorrow and if they repull my credit, I won't qualify for the mortgage due to this terrrible lein being on there now. Does anybody have any advice they could give me for this crappy situation? Thanks in advance, I'm desperate!!!! |
Oh no.
Talk to your mortgage consultant so that there are no surprises........see what he/she says. If you have proof that this lien is not on your CRs, they may be able to pull your CRs later for a rapid rescore. I don't know all of the details about that but there is a way for them to pull it later once the lien is removed. So talk to the mortgage company. I'm sure it's not the first time this has happened to someone. They should know what to do.
Sorry you are having this trouble. Keeping my fingers crossed for you.