am i lost?

Nov 162010
 

i posted this in mortgage loans too, because i’m not too sure where to go to get the right answer….

 

ok.. here’s my situation and my question

 

i have VERY bad credit. (563 EX, 549 EQ and 563 TU) I wanted to buy a house, and of course, NO WAY was i getting approved. So the house that i am in the process of buying is a house my mom owns. we went to a lawyer, had the papers drawn up and i have a legal mortgage note. i guess what we did is considered owner financing? I make my payments directly to my mother, but the house is in my name already. i have the deed and everything.

 

now my question is this: do you know if she is able to report to EX, EQ, and TU monthly to say my payments are on time adn up to date and all that good stuff? i did a score estimator, and my score could jump 35 points with EX if i had a mortgage loan. So is she able to report on me? and iIF she IS, HOW? i’ve looked at all the credit agencies websites and can’t find a place where she could apply to be able to do this. she is willing to do it to try to help me rebuild my credit, but believe me, with the way our relationship is sometimes, if i’m a day late, she won’t have any problem reporting that i was late!!! (trust me, its been 6 months and i haven’t been late yet)

 

thank you all in advance for any help you can give, even if its telling me i’m in the wrong place!

Johnson Berger and associates

Mar 202010
 

Has anyone heard of this company, I don’t know how to spell it, or even if its 2 words. This man has called my work stating that I owe a bill and when I called he doesnt tell me what bill or who it is too, he say’s this is the DA office you have a civil complaint filed against you, I said I don’t think so, anyway I reported it BB and attorney generals office, now he call from Johnson Berger and associates.