I have reason to believe that my name is on a mortgage loan which I was not aware of. In the recent years, I was denied several pre-financing loans which would've saved me thousands, but I was not sure why. Can I press charges in the state of New York?
If someone signed your name to a mortgage without your consent, and IF you can identify who did so, then you could go to the police and seek to have them charged with forgery and other offenses. The first thing to do is get a copy of your credit report to see if in fact you are obligated on the mortgage, then get a copy of the mortgage from the County Clerk's office in the county where the property is located. Best of luck
You should go to www.annualcreditreport.com where you can get your credit report from all 3 reporting bureaus. There may be incorrect information on your report and if there is, you should immediately contact the credit reporting bureau to dispute the entry. If they cannot verify it, it will be removed from your report. There may also be someone with a similar or same name as you and the credit reporting bureau got you mixed up. You also have a right to know exactly why you were denied credit so if you weren't told, you should contact the company that denied you and ask them why you were denied.
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