Hi! My score is currently (roughly) 640 (up from 570 last year) so I appreciate the help in this community removing collection accounts and utilization to help it go up. A lot has fallen off, as well. My question is: I am currently stuck. These are the baddies left on my report and all of them will not fall off until 2019-2020 and I am trying to get a mortgage in a year so would like to see what I can do sooner.
-Santander Auto: Repossession in 2012. I know that this is the main thing bringing my score down. I also have 6 lates reported on this, I am currently in a payment plan with a law office for this. The law office is not on my credit report or reporting anything. I don't know what to do here at all. I haven't contacted Santander but heard they do not budge in PFD or anything at all. And if the law office isn't even on there, I don'yt want to get another nagative item by poking the bear.
-Navient Student loans: 10 lates from 2011 and 2012. I wrote the office of cnosumer advocate at Navient twice and recieved the same response that they will not remove any lates. I have been current for over 3 years and paid off over 20k in loans. They won't budge at all.
That is it! My utilization is 15% month to month and I have three credit cards with $3k total. Is there anything else I can do at this point? Keep writing Good will letters? what do you do with a repossession? Is it worth it to hire a company or lawyer to help? Thank you all for your responses!
