Quote:
Originally Posted by gsdave
Well, the big thing right now is that I don't want these a**holes reporting anything on my credit right now because we're building a house and will have to go through another 'approval' process when the home is finished to convert to a regular mortgage. My credit is spotless, but I don't know how or even if this would show up?
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There are 2 issues at hand here.
1) Legitmacy of the charge.
2) Credit reporting.
1) Legitimacy:
If the terms and conditions were changed since you signed up, they are required to send you a copy of the changes.
If they failed to do that, they can't really change horses on you in mid stream.
Do you have a copy of the original terms?
2) Credit reporting:
Shouldn't be an issue. You have a right to dispute a charge that you feel is not ligitmate! If it turns out that way, any reporting they might do would be invalid and required to be removed immediately! If they failed to do so (or the credit bureau), or, if they did so spitefully, your lawsuit could easily make the down payment on your new house
See the fair Credit Reporting Act for more information.
Gordon
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