So one of things I started thinking about once I get out of some of this mess is how to fix my credit in case their is some banking system left. This brought up a few thoughts.
How is it if the Servicer is not really the creditor that they have any right to reflect credit reporting in their name? Would this not lead to a legitimate claim as to the accuracy of the reporting?
What about interest statements for taxes? The 1098 I just received shows the servicer as receiving my interest?
Obviously there are duties allowed under the servicing agreement etc but the credit reporting by someone other than the admitted creditor seems inaccurate and subject to fair credit reporting standards.
Anyone have thoughts as to this?