Posts: 14,062
Registered: ‎04-15-2011
Re: Im a newbie! Help me if you can:)

I agree with your mortgage lender that they need to be paid, however just paying them does not help your scores.  So why not try and do both?  Pay them and get them removed.  Below are a couple of threads to get you started.  Post any questions you have and we will be glad to help!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!