Are cell phone numbers public records?
The phone number of a privately-owned phone would generally not be considered to be a public record. The phone numbers of government-owned devices are public records. Employer Access to Cell Phone Records. This analysis describes the extent of general public access to cell phone records under the public records law.
How do you fix public records?
Fixing Mistakes on Public RecordsFirst find the public record that has an error.Visit the relevant city/town public records clerk ( ie. DMV, Courthouse, Police Dept., etc.. ) Fill out the germane form and submit it to correct the error.Check in regularly to see if the information was updated correctly.
Is it true that after 7 years your credit is clear?
Late payments remain on the credit report for seven years. The seven-year rule is based on when the delinquency occurred. If the account was brought current, the late payments that have reached seven years old will be removed, but the rest of the account history will remain.
How long do court records stay on credit report?
Do lenders look at public records?
All lenders do a national public records search and even though public records are not posted on credit reports, they will find out about it through the public records data base.5 days ago
What information do Underwriters have access to?
The underwriter verifies your identification, checks your credit history, and assesses your financial situation — including your income, cash reserves, equity investment, financial assets and other risk factors.
How long does it take for the underwriter to make a decision?
How long does underwriting take? Underwriting—the process by which mortgage lenders verify your assets, and check your credit scores and tax returns before you get a home loan—can take as little as two to three days. Typically, though, it takes over a week for a loan officer or lender to complete.
Do mortgage lenders use Lexisnexis?
All third party search by mortgage lenders is done by hiring third-party vendors such as Data Verify or Lexis Nexis or some other third party search companies.