@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.
Starting Score: FICO TU 591 FICO EX 581 FICO EQ 555