I have a charge off cc from 2 years ago reporting under one company as closed by consumer (even though they sent me a charge off letter) and reporting under another company as Open under a partial agreement and late. I have NEVER entered a partial agreement with any company. I have never even heard from this company before. I have disputed it with TU but am waiting to hear back. I have no other negative information on my account. Should I hold off on filling out the pre-approval packet to USDA for a Direct loan until I hear back? I am currently house shopping and my Realtor would like to have the pre-approval done. Will this prevent me from being pre-approved?
