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Posts: 2
Registered: ‎05-23-2016
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Trying to repair credit and clueless, please help!

my fiance and I are trying to fix his credit so that we are able to get a home loan. He is a veteran and is able to qualify for the VA guarantee of up to 36k(with approved credit). His credit is horrible though, we don't have copies yet, but I have seen numbers off of credit karma(540 and one lower) this is what I know is on his credit: a vehicle loan that his ex-wife was to assume per their divorce agreement, several old accounts that are closed with a zero balance, direct TV, sprint and an eviction. The debt that is owed, I have quite a bit of money to pay in full now, but I honestly don't know what or how to go about these things. The eviction, was settled. Please help!!

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Posts: 2
Registered: ‎05-23-2016
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Re: Trying to repair credit and clueless, please help!

*from what I can see there are 7 closed accounts with no missed payments(that's good right?) And 4 or 5 accounts we need to settle. How quickly can we get it raised?

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Posts: 7,411
Registered: ‎01-08-2013
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Re: Trying to repair credit and clueless, please help!

Starting.with closed accounts that either have a balance or still owe, I would contact the agency and try for pay for deletion. On the closed accounts that are paid, if they are collections, you can try sending out goodwill deletion letters.
EX 08 Fico: 729 TU 08 Fico: 735EQ 08 Fico: 740Total Credit Line: $128,600Utilization: 6%Inquiries:EX-6TU-7EQ-5


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