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Principal Residential Mortgage help! please readPrincipal Residential Mortgage help! please read
Cookie4253 said: ":confused: I had a mortgage with Principal Residential Mortgage, Citimortgage bought our loan as PRM no longer handles mortgages just medical insurance and slightly changed their name.
Here is the problem, we entered a loan modification with PRM we paid our mod out early BUT were never told either in writting or verbally that there would be a $9.00 inspection fee of our home during the entire mod, well, they reported 3-90 day late pays a 60 day late pay and a 30 day late pay for that $9.00 on our credit.
The kicker, I have had Equifax investigate and reinvestigate the payment history, Since PRM is no longer in the mortgage business SOMEONE at their address keeps sending letter back on the investigation that the information is reported correct. I called PRM, Citimortgage and NO ONE can correct the information. What do you do other then hire a lawyer?
If we have to hire a lawyer can we make PRM pay for the fees and are we entitled to punitive damages for this 2 year fight?"
Cookie4253 said: "After numerous phone calls, and HOURS on hold and being transferred to dept after dept finally Citimortgage agreed to remove the entire tradeline from Principle Mortgage off our credit since they couldn't verify the late payments, Of course they couldn't verify them because they weren't true.
Presistence pays off, it is a fight, but all worth it in the end.
As far as Equifax, how do we find out exactly WHO they sent their inquiry letters to, because someone there gave them false information, isn't that illegal?"