Hi my name is wes my mom is looking to cash out refinance her house to pay off. She has some bad things posting on her CR i have hired LL and would like to know steps to take that i dont need them and save the $99/mo. Below i am only listing open good accounts and the negatives. Listing all open and closed Good accounts would take forever since my mother is 65 and has great credit history up untill the last 10 years. Her Credit score "Fico" not Fakos are EX 624 EQ 602 TU 615 fico mortage score pulled from TU is only 579 i dont understand.
Lows CC opened 03/2016
$0/$800
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Barclays opened 03/2016
$416/$1800
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Avant installment loan
Opened 11/2015
$10,200
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Capital one card #1
Opened 06/2015
$9/$750
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Capital one card #2
Opened 12/2011 "capone refuses to CLI"
$24/$500
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Goodys CC
Opened 12/2006
$0/2006
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Credit one cc
Opened 06/2015
$145/$550
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First TN 2nd equity loan
Opened 09/2008 one 30 day late pay in 2013
$14,459
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Kay jewelers CC
Opened 09/2015
$0/$1000
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Kohls Cap one CC
Opened 09/2015
$0/$300
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Jcpenny CC
Opened 03/2016
$0/$300
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Santander auto loan
09/2014
$16,514
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Seterus mortage
12/2004
$53,000 one 30 day late when it was sold from suntrust without my mother knowing
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Care credit CC
Opened 09/2015
$0/$1500
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Discount tire CC
Opened 06/2015
$0/$500
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Walmart CC
Opened 12/2014
$0/$500
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Finger hut
Opened 09/2015
$0/$400
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The bad!
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First TN bank
Opened 06/2008 delinquency 10/2010
Balance $5,834 charge off
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Pinnacle Collections
Verizon
10/2014
$1,289 unpaid
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Midland funding
HSBC CC
Opened 03/2011
$0 paid SIF in 2011
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Dicks sporting goods CC
Charge off. Opened 07/2009
Delinquency date 01/2010
$0
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JCP CC
Opened 07/2001
Delinquency 12/2007
0$ charge off, have disputed with CB says accurate past 7 years old.
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Suntrust mortgage
Opened 12/2004 one 30 day late pay while being sold to seterus without her knowledge on 07/2014
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