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I have 6 items with a first date of delinquency date of
3/2010 2 items
04/2010 2 items
05/2010
06/2010
will these fall off automatically in these months next year or is there something I can do before then to get them removed?
I have been disputing and challenging them for 9 months with no changes and I want to buy a house soon, My scores are ok but i know these items will need to be taken care of before mos banks will consider....
@jamevfan wrote:I have 6 items with a first date of delinquency date of
3/2010 2 items
04/2010 2 items
05/2010
06/2010
will these fall off automatically in these months next year or is there something I can do before then to get them removed?
I have been disputing and challenging them for 9 months with no changes and I want to buy a house soon, My scores are ok but i know these items will need to be taken care of before mos banks will consider....
Quit disputing them that only brings the status date current and lowers Fico score and in some underwriters eyes its considered a new CO even though it happened many years ago. The CRAs will typically remove them at the 7 year mark however you can request a GW deletion from the reporting creditor at any time and you can ask the CRAs for early exclusion 6 months out with TU and 1-2 months out with the other 2 CRAs.
ok. I did not know disputing can drop your score....Thanks will do