18 Months ago my mortgage company went under and subsequently sold the mortgage to EMC Mortgage od Irving Texas. I was duped into a variable rate mortgage in which payments are now 1300.00 a month on a 100,000. I have been up to date and in good standing since they have taken over my mortgage. I had recently inquired about refinancing and upon doing a credit check it was discovered that EMC has not reported my ontime payments since from the time they took over the mortgage. At this time I dont have a credit score as far as the credit bureau is concerned and I am being held hostage in this hi rate mortgage. I have reported a dispute to BBB. Who else can I report to. I would like them to update my credit file and show I have been on time for the past 18 months so I at least have a chance to get out of this legal loan sharking.
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