Credit Card Center Advertiser Disclosure

Established Contributor
Posts: 553
Registered: ‎08-04-2013
0 Kudos

Re: Stressing over loan in UW...

Please point me in the right direction...I will have to deal with this very soon. Sooner than later is probably best before it becomes an issue.

Please send me the link or numbers used.

Starting Score: FICO TU 591 FICO EX 581 FICO EQ 555
Current Score: FICO TU 662 FICO EX 652 FICO EQ 643
Goal Score: 700 CLUB

Take the myFICO Fitness Challenge NFCU nRewards $20K Cap1 Secured $500 NFCU LOC $15K TJX $250 BOA $500
Senior Contributor
Posts: 3,399
Registered: ‎08-24-2013
0 Kudos

Re: Stressing over loan in UW...

roadwork wrote:

Ok, had the comments removed by CRA's... got confirmation in December. I just re-checked my reports and the comments are back on there. The good thing was that my scores did not drop after they were originally removed. I assume because this is a collection account I am dealing with.


So, I have to find some way to get the CA to remove the dispute comments before the lender has to pull my scores/reports again mid-Feb. This is def. a PITA! The house will not be finished for at least 3 months, so hopefully that's enough time.

I had all my dispute comments removed ... by phone. One CRA did it while I was on the phone. Another processed "requests  to remove disputes" and told me that they had been submitted. The 3rd would have done it on the phone except I was unable to get the credit report online [failed one or more of the security questions] and had to do it via USPS mail. Yes, my scores dropped.

Some builders will hold the house for a reasonable time after it has been built for a buyer's credit to recover. Other builders will cancel the sale and market the house as an inventory house.


Even as a former mrotgage broker, I did not realize how the few dispute comments on my file would have been such a pain.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.