Me and my fiancee are looking to buy a home, I've been approved for a loan by myself, but not for the amount that we need. So we NEED to get her credit up. We've began taking the right steps by paying off collections, and resolving issues with student loans. So far we've paid off 3 collections, but all 3 are still reporting with all of the negative payment history, all they've done is changed the status to payment recieved / settled on payment etc. The only other negatives are her student loans which are about to come out of default but I fear the same negative information showing. And she has medical bills on hold, and there's no telling when those will come off of that hold so we can just pay them. Because she's an AU on my cards, she has a great utilization / to limit ratio. But that's not doing enough...
So what can we do? Is there a way to have these accounts removed from her report? Should they have already been removed once paid? I feel that for the next several years, until these negatives come off the report, we're never going to get her to the 640 score we need to be approved for a home...
