No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
So my husband and I are trying to purchase a house hopefully within the next 6 months and I wold like to clear up as much negatives on his credit report, as his is better than mine. When done with his I will start on mine.
On his report:
Paid tax lien will drop off 5/2019
judgement - reported as not paid but actually is.
Collections
Direct Loans - remaining balance was 450 - Has been paid off this week.
EOS CCA for $156 past medical bill. set to fall off 4/2014
EOS CCA for $50 past medical bill. set to fall off 11/2014
IC Systems collections for $90 past medical bill -set to fall off 12/2016
Overton russell and doer for $100 past medical bill set to fall off 5/2019
Swift funds LLc $724 old gym membership set to fall off 5/2019
Closed accounts:
There are a few closed account that I was thinking about sending good will letters too.
Current account
Wells fargo dealer services - only 3 months old.
I tried calling overton and russell today to ask for a pay for deletion, then asked if they would settle for a lesser amount, no go on either. Sending a PFD tomorrow.
Called capital 1 about incorrect judgement and to ask them if they could correct it and found out that there is a old Orchard Bank Card that is not paid. It ran out of the SOL and is not reporting on credit report. They said I could send voluntary payment. Is this worth paying, or should I have them validate the debt?
Do I have to do a dispute with all 3 credit bureaus to have them change the judgement, do you think they may delete it?
Is there any luck in getting the tax lien removed?
I'm just not sure where the best place to start is.
Also I know that he needs more open revolving accounts, do we try this now or wait?
Any advice is greatly appreciated! Sorry this was so long. Just not really sure how to attack this.
Current credit scores from our bank - applied for mortage
Equifax 610
Trans Union 599
Experian 589
@christine3377 wrote:So my husband and I are trying to purchase a house hopefully within the next 6 months and I wold like to clear up as much negatives on his credit report, as his is better than mine. When done with his I will start on mine.
On his report:
Paid tax lien will drop off 5/2019 See about filing for withdrawl of lien, if IRS use form 12277, state look and see if can be done
judgement - reported as not paid but actually is. Dispute with the CRAs and also if allowed file motion to vacate on grounds its been paid in the court that granted it.
Collections
Direct Loans - remaining balance was 450 - Has been paid off this week. Ask them to delete the entry if they wont GW letters to the CEO
EOS CCA for $156 past medical bill. set to fall off 4/2014 Call CRAs and ask if can be dropped early same for the 11/14, I recommend you use HIPAA process for reporting medical collections you can Google it.
EOS CCA for $50 past medical bill. set to fall off 11/2014
IC Systems collections for $90 past medical bill -set to fall off 12/2016
Overton russell and doer for $100 past medical bill set to fall off 5/2019
Swift funds LLc $724 old gym membership set to fall off 5/2019 Attempt PFD
Closed accounts:
There are a few closed account that I was thinking about sending good will letters too.
Current account
Wells fargo dealer services - only 3 months old.
I tried calling overton and russell today to ask for a pay for deletion, then asked if they would settle for a lesser amount, no go on either. Sending a PFD tomorrow.
Called capital 1 about incorrect judgement and to ask them if they could correct it and found out that there is a old Orchard Bank Card that is not paid. It ran out of the SOL and is not reporting on credit report. They said I could send voluntary payment. Is this worth paying, or should I have them validate the debt? If apping for mortgage and they reqest full factual report they will see anything in the past 10 years, if its older I would not bother, I would want proof the debt is owed... DVs dont get sent to OCs.
Do I have to do a dispute with all 3 credit bureaus to have them change the judgement, do you think they may delete it? See comments above on both these
Is there any luck in getting the tax lien removed?
I'm just not sure where the best place to start is.
Also I know that he needs more open revolving accounts, do we try this now or wait? I would open savings account with SDFCU ASAP and put money in it for their secured Visa then ask for it by phone (will be no HP if money already in savings)..
Any advice is greatly appreciated! Sorry this was so long. Just not really sure how to attack this.
Current credit scores from our bank - applied for mortage
Equifax 610
Trans Union 599
Experian 589
It is good you have already applied for the mortgage it will bring out any and all scumbags that may be hiding in the wings so they can be dealt with on your terms, you dont want them showing up at the table 1 week prior to close, the only bad thing is you will probably have to settle for full amount as they know you have to pay prior to close on home... Good luck on all this
Thanks so such. This is all overwhelming but time to get this all straightened out!
The SDFCU is that a the State Department Federal Credit Union?
Do they report as a secured card or just as a credit card? And does how they report it really matter as long as I keep paying the monthly payments?
On his report:
Paid tax lien will drop off 5/2019
judgement - reported as not paid but actually is. TU updated to paid and is now set to fall off at 7/2015
Collections
Direct Loans - remaining balance was 450 - Paid
EOS CCA for $156 past medical bill. set to fall off 4/2014 - Paid for deletion....Just waiting for it to be processed
EOS CCA for $50 past medical bill. set to fall off 11/2014 - Paid for deletion.....Just waiting for it to be processed.
IC Systems collections for $90 past medical bill -set to fall off 12/2016
Overton russell and doer for $100 past medical bill set to fall off 5/2019
Swift funds LLc $724 old gym membership set to fall off 5/2019
Closed accounts:
There are a few closed account that I was thinking about sending good will letters too.
Current account
Wells fargo dealer services - only 3 months old.
Current credit scores from our bank - applied for mortage
Equifax 610
Trans Union 599
Experian 589
CK is 588
Just paid a couple of the collections off. Will be using this thread for a repair jouney/ to-do list for me to keep it all in one place and organized.
Thanks for any suggestions too, they are greatly appreciated!
On his report:
Paid tax lien will drop off 5/2019
judgement - reported as not paid but actually is. TU updated to paid and is now set to fall off at 7/2015 - stil waiting on responses from other 2 CB.
Collections
Direct Loans - remaining balance was 450 - Paid - not updated on CR yet.
EOS CCA for $156 past medical bill. set to fall off 4/2014 - Paid for deletion....Just waiting for it to be processed
EOS CCA for $50 past medical bill. set to fall off 11/2014 - Paid for deletion.....Just waiting for it to be processed.
IC Systems collections for $90 past medical bill -set to fall off 12/2016 - Paid in full. Said should come off credit report in 60 days.
Overton russell and doer for $100 past medical bill set to fall off 5/2019
Swift funds LLc $724 old gym membership set to fall off 5/2019
Closed accounts:
There are a few closed account that I was thinking about sending good will letters too.
Current account
Wells fargo dealer services - only 3 months old.
Old Credit One card that was open for 7 months then closed per our request.
Current credit scores from our bank - applied for mortage
Equifax 610
Trans Union 599
Experian 589
CK is 588