03-06-2013 04:22 PM
Ok so last week I had success with a small credit union GW. After back and forth email the rep said that she would be "notifying the CRAs to remove any derogatory reporting on the account" (her exact words). Instead Transunion has reported a $0 with the charge off still reporting. Do I now dispute or wait for the others to update? I was wondering why I got 0 points increase on the update.
03-06-2013 04:24 PM
03-06-2013 04:32 PM
Yes I do. I saved and printed it. In the email she stated that the chargeoff was not my fault and that I was required to pay nothing and she would report to the CRAs. I'm so frustrated because so far this is my only success.
03-06-2013 04:35 PM
03-06-2013 04:46 PM
She gave me the direct number at her office. I think I will send an email tonight and follow up in the afternoon with a polite phone call if I get no response. This really puts a damper on my attitude. I've been gw'ing like crazy, mailed and emailed PFDs and so far no bites. I have 5 months to buy a house or else I'll be stuck renting an apartment in inner-city Baltimore just to make ends meet for a while. .: End of Rant:.
03-06-2013 05:09 PM
Nope. DH is from Baltimore and we are both leaving the military and going back. I will be attending John HopkinsU for Nursing so money will be tight due to both of us recieving only student VA benefits and part time employment totaling around $5000 a month. The city is kind of dangerous depending on where you live and all the great areas are $1800+ in rent. Sales prices are very attractive right now and we also have the military income for a few months to qualify for more house.
All I need is one yes from a creditor for a little motivation. Just one!
03-06-2013 05:32 PM
I know how losing over 2/3 of your pay is. I just recently retired from the military and though retirement pay is ok, it is not near all my entitlements from active duty. I also am 60% disabled and that helps a lot.
Rent there sounds like it was in WA state. Even the not so good neighborhoods were spendy.
Do you qualify for the VA guaranteed loan for housing?
03-06-2013 06:07 PM
03-06-2013 06:13 PM
Yes but they require us to have guaranteed employment if you have less tha 1 year left on your contract. Unfortunately I have only 5 months left and part-time employment at $14 is not much to qualify. Also we cannot use our Post 9/11 housing allowance as income.
I seem to have overplanned for everything else except bad credit lol!
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.