Primary Residential Mortgage Mortgage Complaint

Primary Residential Mortgage Mortgage department,

FHA mortgage Application, originator, mortgage broker Utah

Hello. I 've been working with - from Primere Residential Mortgage , Inc. in -, KY. First, I 've been repairing my credit for a year to get my score where it needs to be. I understand the consumer report may show a different score than mortgage companies calculate ; however, I did not expect there to be inaccurate information. Primere Residential uses - - to provide the FICO score to determine your loan eligibility. However, their middle score was - versus my - middle score. I compared the - and immediately realized - - had old information. At least 3 months old. 1st, my credit utilization was showing 85 % on their report, but - was reporting 30 %. I can calculate this myself and I had been at 30 % for a few months. Also, they showed a collection in the amount of $300.00 that I had already disputed w/ the - credit bureaus and had removed about four months prior. When I called to ask why there were discrepencies, - - refused to talk to me, the consumer. They said that the mortgage agent who requested the report must call. When I contacted -, he basically told me to keep working on my credit and did not call. He said he talked to his boss and there was nothing they could do, even though I had supporting documents showing that the information being reported was inaccurate and more than 30 days old. I can not fix something on my credit report that the bureaus have already removed. The report is wrong, yet the reporting company and the mortgage lender refuse to fix the errors OR even explain to my why I 'm seeing those errors.