I had a foreclosure take place in 2009, with the date of first deliquency in 12/2008 (EQ). My TU shows that the account closed in 02/2010 and it will fall off 03/2016. EXP shows it hasn't been updated since 2009 and that foreclosure proceedings have started with a drop off date of 01/2014. When I look closer at my EXP report, this is still shown as an open account. My question is, should I try to dispute the mortgage account, since it is NOT an open account, or will this hurt me worse. Also, I don't understand how it is scheduled to fall off on different years between each of the 3 CRAs.
I would like to purchase a home in the next few years, but I thought I should wait until all the baddies are off my report, which should be by mid-2016. (Maybe less if this account is changed).
Any help would be appreciated!
