[systematical]

I've had the opposite experience sort of. A company sold my home loan off as-is common and failed to close the account. They reported me as delinquent to the credit bureau. So I did the thing you are supposed to do, repeatedly contacting mortgage loan fools to inform them my account is in good standing (took three times) and of course filing a dispute with the credit bureaus.

After having a credit score north of 700 for over a decade that was at 780 at its peak, my score dropped to around 600. I was horrified. It's been a year and it still hasn't recovered and is currently around 700 through no fault of my own. The only debt I've had since 2018 is home loans.

Fuck them all.

[heavyset_go]

That should be criminal, or at least have some civil liability because I'm pretty sure you'd be able to prove damages.

Insane that there's little to no recourse for this at all, and that none of the parties responsible for such an error will be held responsible for them.