Local Client Reviews Across Alabama Real stories from Birmingham, Hoover, Huntsville, Montgomery, and Mobile. We focus on accurate disputes, education, and rebuilding habits—no shortcuts or guaranteed outcomes. L. Johnson • Forest Park, Birmingham Superior Credit Repair in Birmingham helped me raise my score by over a hundred points after a detailed audit of my reports….
Under RESPA, a mortgage servicer must acknowledge your written Notice of Error within five business days and generally resolve a payment-posting dispute within 30 business days. Your first move is to put the problem in writing, even if you plan to call the servicer immediately afterward. You made the payment, watched the money leave your…
You make a mortgage payment, watch the money leave your bank account, and expect the loan balance to move. Instead, your statement still shows the old amount, while a separate line reads “unapplied funds” or “funds held in suspense.” That can feel alarming, especially when you're preparing to buy another home, refinance, request a payoff,…
You make what you believe is your regular mortgage payment, watch the servicer cash the check, and then open your mortgage statement to find the balance unchanged. The account may still show an amount due, a past-due status, or a line labeled suspense, unapplied funds, or partial payment. That mismatch can feel alarming, especially when…
You open your credit report before applying for a home loan and see a late mortgage payment you don't recognize. The loan wasn't missed. Your payment confirmation shows it was sent on time, but the mortgage had recently moved to a new servicer, and the credit report now tells a different story. This problem can…
An old mortgage servicer still reporting a balance is usually dealing with a reporting lag or servicing-transfer data error, and you should dispute it with both the servicer and the credit bureaus. The account should ultimately show a $0 balance with a status such as closed or transferred, not an active outstanding mortgage. You paid…
You're reviewing a mortgage file, the lender is moving fast, and then you spot it, the same mortgage shows up twice. One line may be the account your servicer is reporting now, and the other may be a transfer, a sold loan, or a duplicate feed that looks like another debt at first glance. That's…