The only truly free credit report out there is on www.annualcreditreport.com/ . This was started under law so that consumers can obtain their credit report, once per year, at no cost. Keep in mind you can not get your credit score here, but you will get a full transcript about what is being reported on your credit. For a credit score, you can go to a site like www.myfico.com. Typically a consumer will pay about $20 to see their score and read the report as well.
This story, out of Orlando, is about a woman who had a mortgage with Chase Bank. Chase, for some unknown reason, reported her to the credit agencies as deceased. This ruined her credit rating. No lender would loan money to a dead woman.
Has a bank or another institution erronuslly ruined your credit? Has a company reported incorrect information to the credit agencies? What are your rights? Call an attorney in Tampa, Florida call me. Call Zonald Spinks, Esq. at 813 413-5352 to discuss your legal options. It's free to talk to me anytime.
Story after the jump.
From the Orlando Sentential
SANFORD — Wrenella Pierre is not dead, she insists. Her bank, however, disagrees. In November, Chase Bank USA sent her family a letter of condolence.
"We are very sorry to hear of your loss," it said.
Pierre, of Oviedo, is not amused. She is now suing Chase Bank, saying it has stymied her attempts to refinance her mortgage and ruined her credit rating.
JPMorgan Chase Bank, according to Seminole County records.
Two years later, after the home had declined in value, Wrenella Pierre tried five or six times without success to have the mortgage modified, according to her suit.
Last year, the bank, for some reason, notified credit-reporting agencies that she had died, the suit says.
On Nov. 2, Chase sent her family the letter of condolence, an unsigned form letter. Someone from the bank would be in touch, it said, about the outstanding balance.
She notified the bank that she was still alive, according to the suit, and a few weeks later tried again, going into one of its branches, asking it to correct the error.
A month later, credit-reporting agencies were still reporting she was dead, according to her suit.
Nancy Norris, a spokeswoman for JPMorgan Chase, on Monday would not discuss details of the case, citing the suit.
"We're investigating how it happened," she said.This blog is designed for general information only. The information presented at this site should not be construed to be formal legal advice, nor the formation of a lawyer/client relationship. Persons accessing this site are encouraged to seek independent counsel for advice regarding their individual legal issues. The hiring of a lawyer is an important decision that should not be based solely on advertisements. Before you decide, ask us to send you free written information about our qualifications