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Hey everyone this is my first post on here... having been reading daily for about 3 months now trying to repair my husbands and I credit so that we can get in a home this year. I have been working on his credit mostly as I wont be on the loan due to defaulted student loans that I recently had consolidated. But as of Dec. 21, 2012 we had a lender pull his reports and his scores were TU 608, EX 614 and EQ545, myFico Tu 622. As of getting atleast 6 collections deleted from TU as of 2/7/13 myFico TU 663, haven't checked EX or EQ due to 2 PDF's that have not been deleted yet. How long does it take for them to update? I've read on here that TU is always the slowest to update but they have been the first one to update for me. Once these update he will only have one collection on all three CRA's and that is from Stuart Allen & Assoc. from 12/2011. I'm questioning on contacting them for a PDF for have not read good things about them so skeptical about raising the dead....
It is only for $175 and I am more than willing to PIF for PDF but dont want to wake sleeping dogs that could make things worse as they are not updating the report or contacting us. And one of the PDF's im still waiting on to be removed was with a company that I also did 2 other PDF's with at the same time, the two others came off already but this one has not. Called the company and they said could take the CRA's 30-90 days....
thats a tough one i hear what ur sayin but for the most part the worst of the damage is done bcuz the collection is already there it would cost them more than the debt is worth to pursue a judgement in my opinion bcuz it is such a small amount but its worth a shot u wont kno unless u try but ultimately the decision is up to u how old is the debt?