Where the errors hide
- Loan servicing transfers that duplicate the mortgage tradeline.
- Deed-in-lieu or short sale coded as a full foreclosure.
- Wrong foreclosure completion date extending the 7-year window.
- Deficiency balances that were legally waived still reporting.
Documentation wins
Settlement statements, deed records, and servicer correspondence are powerful evidence. We assemble that package and force verification against it.
The Bottom Line
Bring us your closing documents and we will audit the reporting line by line.