I hate the credit bureaus.
Backstory as some of you know is that I do credit repair, but on the other side I'm trying to get a home loan, so get this.
Knowing the secrets that I do about the credit reports, on my specific report I had an auto loan that I refinanced four times. While those refinances should have been put under the category of 'installment' the bureaus decided to put them under revolving, and report them as paid and closed, but left a balance which reflected into my overall score. The accounts are ten years old but they still had an effect, so I contacted the bureaus to get them to zero it out and instead of doing that, they completely erased them from my report. In addition, one of my revolving loans suddenly decided to report to all three credit bureaus (which it hasn't ever done) and now my balances are so out of whack from accounts being erased that now I might not be able to get this loan.
I hate the fact that this country is so centered around being self employed, but if you are self employed, you can't get a f'ing loan because everyone wants full documentation. It's like "Yes, well if I show you my tax returns, I won't be able to get approved for the loan, because that's not actually how much I make...that's how much I tell the government that I make." In addition if I did report what I truly make, then after taxes I would probably come home with what my tax returns report at this time.
What a joke.