I have been doing all the right things trying to get score and credit report good to qualify for a new mortgage after a short sale 3 years ago, was one of the first ones in this crisis.
Still paying 2nd mortgage with HFC on the short sale, owe 23k
Got myfico.com score up to 651 on EQ
Have credit monitoring on, last night got a dreaded email saying there was a change to my score, logged in, fico is down to 613, there goes qualifying for mortgage.
Now the best part, it was paid collection from December, just reporting in January?????
The worse thing of this is its only for $139.00 and we paid it on the very first call from the CO!!!!!!!
They said they had been sending letters to an old address, we stated we hadn't received any and lived at that address 2 years ago! We live in a different state.
The agent for the CO assured us if we paid during that call they would not report to the bureaus, well we failed to get that in any type of writing, that was our fault, we should have sent a letter or requested a letter from them stating this, but we just wanted to pay it.
I have already disputed this this morning, I am going to call the medical office on Monday and CO to see if they will help me out.
Can anyone provide other suggestions, we are in a time crunch as we were trying to qualify for a mortgage in the next month or two.