I am unsure if what occurred in my experience drops under deceptive credit by itself however it should be consider scam. I'd a flat and mortgage in North Park through Countrywide and employed a National approved mortgage broker to approach my application for the loan. For my revenue I sent on my organization letterhead a memo declaring I created $60k annually also it was authorized by my supervisor. I simply discovered the total amount reported on my mortgage document is $160k not the $60k I documented. After I named 'The Bianchi Group - 858-678-1503' approved mortgage brokers for National, they declare my income declaration was never obtained and it is not in my own document. Countrywide informs me the mortgage is just a 'mentioned' mortgage therefore no files are needed and also the person who maintained my mortgage isn't any longer employed in their workplace and so I don't have any proof, aside from the initial authorized mem that I sent, to exhibit that my revenue was overstated by Countrywide which believes the agreement illegitimate along with a scam.
I dropped the $60k annually work, needed to struggle to locate a job that settled half that quantity, needed to short-sale my house, dropped over $61k in deposit and final costs, and today my credit is destroyed for 7 years or even more.
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