Would like to get Mortgage Loan in 7-8 months,Advice?

[Shogun]

Sounds like you brought it up to date, since it was with the OC, that might have dropped the DOFD off of it.  Kind of tricky how that works sometimes.  Where are you getting this from?  If it's from your TU or EX it won't show a DOFD, it will show a date this is expected to be removed from your report and you count back 7 years from that.

[jennherrin]

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@Shogun wrote:

Sounds like you brought it up to date, since it was with the OC, that might have dropped the DOFD off of it.  Kind of tricky how that works sometimes.  Where are you getting this from?  If it's from your TU or EX it won't show a DOFD, it will show a date this is expected to be removed from your report and you count back 7 years from that.

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[TrishN]

The one affect your credit score is CO or CA report as open account, AmericanHonda why don't we just send GW like crazy 8 dollars for 20 stamp I guess lol. 1 week 1 letter

[hoping2rebuild]

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@jennherrin wrote:

Oh ok,

Calvalry Portfolio      621.00, 2/1/2012, unpaid collection.closed. (I don't know what this debt is for, how do I get OC info?) not sure who OC is. I have to check.

 Send DV to find out all the info and if they actually have the debt

National Student Loan  0.00, 1/1/0001 (that is the date they have), paid collection-student loan, open. (I do not have any student loans outstanding) Need OC

 Send DV to find out all the info and if they actually have the debt

Security Credit System 2074.00, 6/1/2012, closed, unpaid-collection. (this was a online school that I did not finish enrolling cause I wasn't decided, They mailed enrollment papers and I did not return them, I didn't take class either they also pulled my credit report 2 times in the last 2 months, I don't understand why) Dofd 03/2012

West Bay Acquisitions 58.00, 11/1/2011, 1 CRA says closed, the other says open, collection. (medical) Dofd 02/2011

Collection account can't be reported as open also it is such a small amout I would send a PFD and get it gone

2 medical no CA info, 200.00 each, 8/1/2012, medical unpaid. Dofd 6/2012 and 3/2012

Send PFD to get them GONE

ACS/Wells Fargo 0.00, 6/1/2007, student loan assigned to government. (it also says more than 120 days past due 1348.00) ..........I guess I need to see who OC is right?Send DV to find out all the info and if they actually have the debt

American Honda Finance  0.00, 7/1/06, paid was a charge off/bad debt & placed for collections & skip $21,345.00/paid profit and loss/account paid in full was a charge off ( on our very last payment we were late about 3 weeks with a balance of 240.00, We called paid it received receipt and title, we paid this vehicle for 6 years) No Dofd

I would send GW and see if I could get the lates removed

Apollo Group INC 0.00, 4/1/2007, bad debt place for collections & skip, paid charge off unsecured (this was a University of Phoenix account, It was paid in full and I have the receipt) Paid

Start sending GW's here too for removal

Medical  188.00, 2/1/2012, closed 10/2011

Franklin Collections SV  0.00, 7/1/2007, account paid in full was a collection, closed

GW here too for removal

HSBC Bank 569.00, 2/1/2007, closed, charge off. (the account numbers on all 3 CRA's are different)Dofd 8/2009

HSBC Bank 0.00, 2/27/2007, charge off, closed, (it also says paying as agreed, credit card lost or stolen, I did loose a card and ordered another) listed on TU 3 times.

Dofd 8/2009

JAX Elec  394.00, 4/1/2008, closed, charge off

NCO/FIN09 705.00, 8/1/2010, closed need to find OC.

Send DV to find out all the info and if they actually have the debt

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[chasmith]

If you are willing to work hard, provide documentation and have your budget and spending monitored, you ought to be able to get a NACA mortgage in 7-8 months.  They don't consider credit scores, are concerned with your ability to afford the mortgage and will require anything within two years to be paid.

My NACA mortgage is 30 year fixed, under 3%, 100% of the purchase price and I paid no closing costs.  I pay $50 a month to their stabilization fund but no PMI.

[jennherrin]

Here is a update:

Calvalry Portfolio      621.00, 2/1/2012, unpaid collection.closed. (I don't know what this debt is for, how do I get OC info?) paid

National Student Loan  0.00, 1/1/0001 (that is the date they have), paid collection-student loan, open. (I do not have any student loans outstanding) pulled loan info sent to bureaus they were removed

Security Credit System 2074.00, 6/1/2012, closed, unpaid-collection. (this was a online school that I did not finish enrolling cause I wasn't decided, They mailed enrollment papers and I did not return them, I didn't take class either they also pulled my credit report 2 times in the last 2 months, I don't understand why)

West Bay Acquisitions 58.00, 11/1/2011, 1 CRA says closed, the other says open, collection. (medical) paid

2 medical no CA info, 200.00 each, 8/1/2012, medical unpaid. 1 paid

ACS/Wells Fargo 0.00, 6/1/2007, student loan assigned to government. (it also says more than 120 days past due 1348.00) There was no loan, removed

American Honda Finance  0.00, 7/1/06, paid was a charge off/bad debt & placed for collections & skip $21,345.00/paid profit and loss/account paid in full was a charge off ( on our very last payment we were late about 3 weeks with a balance of 240.00, We called paid it received receipt and title, we paid this vehicle for 6 years)

Apollo Group INC 0.00, 4/1/2007, bad debt place for collections & skip, paid charge off unsecured (this was a University of Phoenix account, It was paid in full and I have the receipt) Paid in full sent letter to 3 bureaus

Medical  188.00, 2/1/2012, closed

Franklin Collections SV  0.00, 7/1/2007, account paid in full was a collection, closed , student loan there was no balance removed

HSBC Bank 569.00, 2/1/2007, closed, charge off. (the account numbers on all 3 CRA's are different) currently paying as agreed

HSBC Bank 0.00, 2/27/2007, charge off, closed, (it also says paying as agreed, credit card lost or stolen, I did loose a card and ordered another) listed on TU 3 times.

JAX Elec  394.00, 4/1/2008, closed, charge off

NCO/FIN09 705.00, 8/1/2010, closed, student loan no balance removed

[avigeant83]

How are your scores looking now? You're getting near to the 7-8 month mark. GOod luck

[ecalmese]

i have the same goals as you and i watched the process; i too would like an update on how things are going this far? did your scores increase significantly?