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I was out of the country for a couple of years, but have been back for a while and am established here now. I looked at my credit report recently and found that a lot of information on it belonged to a girl who has my same first and last name that I used to attend classes with in college–and who lives in the same county as I do. Saxon mortgage services, deutsche bank blocked renegotiation like saxon and put the blame for the high foreclosure rate where it.

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We d like to possibly get a better rate and a shorter loan term but are not sure if this is. It sounds simple, but every 30-, 60-, or 90-day delinquency on a loan or credit card is going to reduce the credit score the lender ends up considering as part of the loan file. I also haven’t pulled my report since this disheartening experience, because if I can’t change something as seemingly straightforward as an account still being open, why bother.

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