The ownership or servicer of a mortgage can change without a new purchase. Old and new account entries may reflect the same underlying loan at differe
The ownership or servicer of a mortgage can change without a new purchase. Old and new account entries may reflect the same underlying loan at different stages.
Review the records
Save transfer notices, payment records, and statements from both servicers. If the same payment is lost or both show an inaccurate active balance, identify the precise dates in a dispute.
Choose the appropriate action
If the information is accurate, use the account records to plan the next step. No dispute or calculator can guarantee a particular score change.
Resources
Safesky resource: https://safeskyconsulting.com/diy/free Consumer guidance: https://consumer.ftc.gov/articles/disputing-errors-your-credit-reports
Use Safesky's free A-to-Z credit guide
Learn the DIY steps and keep a clear record of your decisions.
This article is general information, not legal or financial advice. Results vary by credit profile.
