[khortot]

...the mortgage account as reported on credit report reflect this? Five years ago someone bought a home in my name (three of them, actually. Long story!) The homes have since been foreclosed on and sold. The mortgage accounts for two of the homes listed on my credit report reflect the foreclosures and the accounts are listed as "closed" with a note that the accounts reached the maximum delinquency of 120 days. The mortgages for the third home, however, are listed as open and delinquent on my credit report, even though 1) the home has been foreclosed and sold and, 2) the account is well beyond the maximum delinquency of 120 days. Shouldn't this account be listed as closed as well? Will fighting to have it closed have any immediate beneficial impact on my credit score, which has been devastated since this fiasco began?