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For anyone who has been following any of my posts...
I started out 2 months ago with a EQ: 560, TU: 574: Exp: 540
Currently at Eq: 631: Tu: 646 Exp: 626
I managed to get just about everything deleted except for 3 things that are supposed to get deleted.
Long story short:
Had 3 collections from the same agency, they agreed for PFD. Only one of them actually fell off of the report, this was 2 months ago. I called them last week to see why they didnt delete them, and they said they did that they should have fallen off by now. That I should fax Equifax the deletion letters. So I found some fax numbers for Equifax, faxed them over, and instead of just deleting these 2 collections, they reopened the disputes on them so I have to wait a month for them to fall off now.
And the other company the last mochican on my credit was also a PFD, a week after they agreed they told me I need to fax them a letter that states I no longer dispute the charge and they couldnt do the deletion until they received that, so after I did that I got the deletion letter about a week later and I am just waiting for that badboy to fall off as well.
I am 9 points shy from being able to get the house mortgage we need.
We currently have about $20,000 to put down on a house. How much do you guys think I will be approved for, I really would like to spend about $250-300,000? And can anyone recommend a Mortgage lendor that may be able to help me now since I do have deletion letters for these bad marks already?