Here are my CR details, as summarized by the LO we talked to:
Chargeoffs – These have already been written off as a loss by the creditor. You mentioned that you have received at least one 1099 for them. Collect your 1099’s and submit them to the credit bureaus as part of the dispute process so they can update your score to reflect a zero balance. You do not need to pay any Chargeoffs. American Honda Finance - $3,401
Sears – $2,027 Collections –
do not pay off your medical collections as the mortgage will not require that they are paid. REALLY????
Items that do need to be handled:
EOS CCA (AT and T) - $183 – – acct #xxxxx
Financial Asset Mgmt – (AT and T) – $133 - this appears to be a duplicate of the EOS CCA
Pinnacle Financial (CenturyLink) - $75 - I just paid this yesterday and they said they would delete but I didn't get it in writing 
Foreclosure – the Flagstar account shows a last late date of 08/11 and that seems to line up with you saying the house closed in August 2011. For traditional FHA financing, the soonest you can close is 36 months from the date the HUD was signed on your short sale, putting you at 8/14. Should I try contacting Flagstar because this wasn't a foreclosure, they had just started the process. They were paid in full. They are reporting as "Foreclousre proceedings started" I tried disputing but they kept reporting that way. What next?
Auto loans – you had some late payments in 2012 on both cars. Once these late pays are more than 12 months old, you will also see a bump in your score. Should I GW them?
Thanks! I hope this helps.
