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I enrolled in Get Mortgage Ready program on XX/XX/XXXX. At that time I informed them of the type of home I wanted to purchase and how much I could afford to pay monthly ( {$1100.00} ) on a mortgage and the estimated time ( XX/XX/XXXX ) I wanted to move. What they do is sell you products, credit report ( XXXX XXXX XXXX ) for {$330.00} and credit report monitoring ( XXXX XXXX ) for {$29.00} monthly.
I didnt need the credit repair because there is no way I wouldve be able to purchase a home with two car loans on my credit and the amount of debt I had. I provided them with all documents that they requested which was my paystub that provided my income and additional documents they requested. If they are a get mortgage ready company they wouldve known that I wouldnt be able to obtain a home loan due to the amount of debt I have and not take my money.
One of the main issues that I have or had was with the credit repair company that provided me with false reports that they removed items from my credit report when they didnt. When I questioned XXXX XXXX XXXX about sending me false information they never would respond to my emails and Get Mortgage Ready stopped communicating as well in XX/XX/XXXX.
I had some medical bills on my credit report that did not belong to me and their solution for that was for me to file a police report for identity theft. I was able to get all the bills removed from my credit report on my own because this was a billing error not identity theft.
XXXX XXXXXXXX XXXX informed me medical bills are not calculated when purchasing a home. Judgements that are showing satisfied do not affect your score. Car installment loans that have the incorrect balance do not carry much weight as far as your score goes.
All of this was incorrect because when the medical bills were removed my score went up. When the Judgement that I never went to court on was removed my score went up and when the balance on my car loan was reflecting the correct amount my score went up.
In the end I spoke with two senior loan officers who informed me that I would not be able to purchase a home due to the amount of debt that I have and that it would be impossible for me to find a descent home.
I didnt have an issue with XXXX XXXX because they provided excellent service. The {$29.00} monthly fee included credit reporting from all three bureaus with your Fico score and you can setup alerts etc. They also have excellent customer service when you speak with them via phone.
The issue I have is with XXXX XXXXXXXX XXXX and Get Mortgage Ready because they charged me for fees when the services were not provided and I was provided false misleading information.
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