07-14-2008 05:52 PM
07-14-2008 07:19 PM
ubud wrote:Hi Everyone! I have a big, big problem that I need resolved right away-My plans were to apply for a mortgage this week. I have a $800 collection from MCM for a verizon account that went delinquent in of April 2003.I am unsure of the validity of this debt I have been disputing this collection for the last 6 months. I also sent them a DV letter 3 weeks ago. I run my credit today and they have changed this account from a CA DOFD 2003, to an open revolving account, with 120+ as of July 2008 and April 2008 with no DOFD listed (it basically looks like a new ding to my CR). This basically put my chances for being approved for the loan down the toilet as I cannot have any late pays in the last 2 years. (doing a stated income loan, as I am a business owner, requirement are strict)
What can I do to get this deleted yesterday? The amount is only $800 and I will do a PFD. What is the fastest way to make this happen... I am even willing to get an attorney involved.By the way, they are also majorly mispelling my last name... don't know if that helps.Any advice on what I can do right away would be great. Thanks so much in advance.
07-14-2008 07:28 PM
I would file a complaint with the BBB. However, in my experience, it will take you about 30 days or more to get this corrected.
07-14-2008 08:02 PM
07-14-2008 08:15 PM
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.