CRE Credit Services in Plano, TX

Even with 40 years and 30 pages of unblemished credit, my application to refinance my mortgage was denied in 2013 because I was a co-signer on my daughter’s mortgage that went into default. In February 2014, I contracted with CRE to repair my credit specific to my daughter’s foreclosure that was being reported on my credit. Between February 2015 and June 2016, CRE worked diligently on the OneWest entry on my credit that they believed to be the derogatory damaging my credit, and claimed it had been removed from all three bureaus. In May 2016 I contracted to purchase a new home and applied for a new mortgage. The Automated Underwriting System (AUS) tagged my application as “Refer/Eligible” and forwarded it to Fannie Mae for review, where it is currently stalled while I, the agents, and the sellers wring our hands. Turns out, CRE failed to correctly identify the derogatory that was damaging my credit: Citibank (CIT Bank) acquired OneWest in July 2014, and is currently reporting my daughter’s payments as past due even though the OneWest mortgage was refinanced with Ocwen in March 2014. Clearly, this is a blatant error on my credit report that CRE was not sophisticated enough to recognize. CRE claims “We address the account with the credit bureaus to see if they are able to verify the account is reporting accurately, and if not to delete it or correct it. If they validate that the account is accurate and verifiable to the credit bureaus, they are able to keep it on the credit report for 7 years form date of last activity.” I requested a refund from CRE of one half of the $1,200 I paid to have my credit repaired, and I received a rambling email from “Brandon” claiming they did their job but would send me a refund of $74. My advice to those seeking to have their credit repaired is to save your money. If your credit can be repaired by the “credit bureau harassment method” then maybe it’s something to consider, but if the issue is complex, CRE is not equipped to handle it.