Thank God, finally I did it! I am in the 700 club on all 3!

[StartinOver]

My last small collection fell off EQ this past month, but TU & EX did not budge and I am in the middle of a mortgage.  I sent a fax to both EX & TU stating I was NOT disputing, but asking for a goodwill gesture of the collection that I felt should fall off at the end of this month to come off a little bit early so that I could obtain more points for my mortgage. Experian responded (gained 25 points) the same day and 2 days later, today, TransUnion responded (gained 52 points). Yippee, I now have a clean report with too many inquiries and too low of available credit, but don't owe anything but school loans (big time).  Those are all my fault.

And I am waiting to hear when my closing date is for my first home.  It would have been the 14th, but Freddie Mac never got the title in their name, so I have now missed the homeowner's exemption and my taxes will double. BUT, I have a very nice, but small 1958 corner lot home buying for $70K, appraised for $80K, with a big yard with many trees & bushes. It is brick and has a new roof, new paint, new carpet and only needs new kitchen counter and to update the bathroom. I also have radient floor heat.

 I am so excited! Hang in there, everyone who is new to cleaning up your credit!

[TheR105]

Congratulations on your success! Thanks for telling us to hang in there, its a struggle.

[mauve]

YOU JUST TERRIFIED ME.  The tax records online are saying that the Freddie Mac home I'm hoping to close on on Thursday is still in the name of the former owner.  I've been on top of everyone to get this done and if that happens to me, I just don't know what I'd do! 

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StartinOver wrote:

My last small collection fell off EQ this past month, but TU & EX did not budge and I am in the middle of a mortgage.  I sent a fax to both EX & TU stating I was NOT disputing, but asking for a goodwill gesture of the collection that I felt should fall off at the end of this month to come off a little bit early so that I could obtain more points for my mortgage. Experian responded (gained 25 points) the same day and 2 days later, today, TransUnion responded (gained 52 points). Yippee, I now have a clean report with too many inquiries and too low of available credit, but don't owe anything but school loans (big time).  Those are all my fault.

And I am waiting to hear when my closing date is for my first home.  It would have been the 14th, but Freddie Mac never got the title in their name, so I have now missed the homeowner's exemption and my taxes will double. BUT, I have a very nice, but small 1958 corner lot home buying for $70K, appraised for $80K, with a big yard with many trees & bushes. It is brick and has a new roof, new paint, new carpet and only needs new kitchen counter and to update the bathroom. I also have radient floor heat.

 I am so excited! Hang in there, everyone who is new to cleaning up your credit!

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[Anonymous]

Nice work!

So you can write the CA's and ask for a goodwill? How close was this to falling off?

[guydiver]

Congratulations on your new home, and welcome to the 700 club.

[veracious]

Congratulations!! , StartingOver

Relax for a bit , enjoy the  fruits of your hard work, then attack the next goal.

Best of luck .

[tntexans72]

Congrats for the 700 club and getting the nice home you described.

[StartinOver]

Thanks everyone for the congrats.

Mauve, hope your situation works out to close on time.

Sheadogg, I could have contacted the CA (colloction agency), but instead contacted the CRAs (collection reporting agencies: TransUnion & Experiam). One CRA listed drop off date as 5/1 and another said 6/1. Equifax actually dropped it a little bit early without me requesting it. That gave me hope the othersight, too, if I asked nicely and stated I was not disputing anything.

[DI]

Congrats!

[ronniejr]

super congrats!!  The GW letters worked (guess TU and EX are not so cold hearted after all.. who knew?