Should I go see the lender now?

[stillworking]

I recently seen a fannie mae property that is 203k eligible and is in its first look period.  My credit has gone up dramatically- mid 600's and I was unsure if I should wait until some of my disputes are resolved with the credit agencies or talk with a lender now? Any advice would  be much appreciated.

[frugalQ]

If you go to a lender now, they are going to tell you that you will need to have those dispute comments removed from you credit reports.
It is possible that your credit score will drop once the disputes are removed.

With that said, you should speak to a lender about your situation, provide them with a copy of your report, and ask what steps you should take. But, do NOT let them pull your scores unless you are ready to move forward.

Good luck!!

[stillworking]

One is a recent collection in 2013, so my score can go no where but up. I didnt know if there was a "magic number" that people will have before they see a lender.  Thanks for your help, I am going to talk to a lender in the next few days.  But no pulling the score.

[primeonetx]

The score is not reflecting accurately with the disputes on there.  Once you remove the disputes or get them resolved, then have your chosen lender pull credit.  Providing a report is not of any value because a consumer report is often as much as 50 points higher than that of a mortgage lender due to using different analytics.

Scott Drescher

[stillworking]

My scores were BEFORE the dispute process started; with the two baddies on it. 

[DallasLoanGuy]

help everyone out.... wait for disputes to resolve.

[stillworking]

That is the general idea. Trying to get the best rates while not torturing the loan officer/lender.  All three CRA's said they have up to 30 days, but disputes are corrected by the end of each month.

[DallasLoanGuy]

---

@stillworking wrote:

That is the general idea. Trying to get the best rates while not torturing the loan officer/lender.  All three CRA's said they have up to 30 days, but disputes are corrected by the end of each month.

---

look..... most loan officers will vapor lock on this.
they go bug eyed on disputes.

pick a good one.