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Hi everyone,
I'm looking to buy a home in December or January but this time I am looking to go conventional instead of FHA. I've owned two homes already (never defaulted) and sold these homes within a year or two. Im currently renting in an area where I am paying 3k a month so owning a home would actually save money. A quick history of myself I make 300k a year and have had nothing but perfect credit for the past 4 years with a few minor mistaked. I made the mistake of filing a Chapter 13 Bankruptcy back in 2011 but quickly changed my mind and voluntarily dismissed it. This is killing my score. There are some other things on my report that are keeping my score at the following levels.
EQ - 671 TU - 647 EX - 655
Within the last week I paid off all my credit card debt ($2,500) so these numbers may go up. Anyways there are some items on my report I identified that may be bringing my score down. How would you suggest I approach these items below to either dispute, settle, or other ways to get these updated or off my report such as asking for an early exception from the Credit Bureaus. I've copied and pasted and apologize if the tables look off.
Here are my negative items.
#1 FCO - FAIR CREDIT AND OUTSOURCING
Collection 1 of 1 Equifax TransUnion Experian | |||
COLLECTION AGENCY | - | Fco | Fair Collections & Out |
ORIGINAL LENDER | - | 09 Rushwood Apartments | Rushwood Apartments |
ORIGINAL BALANCE | - | $935 | $935 |
CURRENT BALANCE | - | $0 | - |
STATUS | - | Payment after charge off /collection | Account legally paid in full for less than the full balance |
DATE ASSIGNED | - | Jan 18, 2016 | Jan 18, 2016 |
ACCOUNT NUMBER | - | XXXXXXX | XXXXXXX |
ACCOUNT HOLDER | - | Individual | Individual |
DESCRIPTION | - | Account information disputed by consumer | - |
#2 CHAPTER 13 BANKRUPTCY - VOLUNTARILY DISMISSED
Public Records
Public Record 1 of 1 Equifax TransUnion Experian | |||
TYPE | Bankruptcy | Chapter 13 bankruptcy dismissed | Bankruptcy chapter 13-dismissed |
COURT NUMBER | 496VF00032 | - | 1004001 |
CASE NUMBER | --- | ------ | ---- |
DATE FILED | Dec 01, 2011 | Dec 30, 2011 | Dec 30, 2011 |
STATUS | DISMSD/CLSD CH13 | - | - |
DATE PAID | - | Oct 31, 2012 | - |
AMOUNT | - | - | $0 |
PLAINTIFF | - | - | - |
ACCOUNT HOLDER | - | Individual | Individual |
CATEGORY | Bankruptcy | Bankruptcy | Bankruptcy |
#3 VERIZON WIRELESS - COMPLICATED
Revolving Account 16 of 17 Profile Equifax |
TransUnion |
Experian | ||||||||||||||||||
COMPANY | Verizon Wireless/Sou | Verizon Wireless - South | Verizon Wireless | |||||||||||||||||
LOAN TYPE | Unknown | Phone | Unknown | |||||||||||||||||
ACCOUNT NUMBER | XXXXXXXXXX0001 | XXXXXX7970 | XXXXXXXXXX | |||||||||||||||||
ACCOUNT HOLDER | Individual | Individual Account | Individual | |||||||||||||||||
DATE OPENED | May, 2012 | May, 2012 | May, 2012 | |||||||||||||||||
Status | Equifax |
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STATUS DATE | Jul, 2017 | Aug, 2017 | Aug, 2017 | |||||||||||||||||
CONDITION | Open | Open | Open | |||||||||||||||||
LAST ACTIVITY | May, 2016 | - | Not Available | |||||||||||||||||
BALANCE | $2,573 | $2,573 | $2,573 | |||||||||||||||||
STATUS | Collection account | Collection account | Account seriously past due date /account assigned to attorney, collection agency, or credit grantor's public collection department | |||||||||||||||||
Payment Timeline | ||||||||||||||||||||
Equifax TransUnion Experian
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9 | 10 11
2015 | 12 | 1 | 2 | 3 | 4 | 5 | 6 7
2016 | 8 | 9 | 10 | 11 | 12 | 1 | 2 | 3 | 4 5
2017 | 6 | 7 | 8 |
History | Equifax |
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LATE 30 DAYS | 0 times | 0 times | 0 times | |||||||||||||||||
LATE 60 DAYS | 0 times | 0 times | 0 times | |||||||||||||||||
LATE 90 PLUS DAYS | 0 times | 0 times | 3 times (Aug 2017, Jul 2017, Jun 2017) | |||||||||||||||||
WORST DELINQUENCY | None Reported | None Reported | Charge Off/Other Derog | |||||||||||||||||
HIGH BALANCE | $2,573 | $2,573 | $2,573 | |||||||||||||||||
Terms and Remarks | Equifax |
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TERMS | - | - | 1 Month | |||||||||||||||||
SCHEDULED PAYMENT | - | - | - | |||||||||||||||||
CREDIT LIMIT | - | - | $2,573 | |||||||||||||||||
REMARKS | Consumer disputes this account information
Collection account | Account information disputed by consumer | Account Information Disputed By Consumer | |||||||||||||||||
Contact National Recovery Operations Minneapolis, MN 55426 (800) 852-1922 |