10-12-2012 04:36 AM
I am in the process of helping my wife fix her credit. We sent several GW letters and PFD letters. Upon sending these letters and disputing some innacurate information like balances ect, all of the C/O's disappeared except for one. My questions are:
1. Will the CA readd the accounts to her credit report
2. How long will it take until they find out that they have been removed from her report
3. They're unpaid. Should we just pay them before they're added back to her reports?
4. Do lates on a fully paid off account hurt at all (i.e auto loan had several lates but we paid it off last month)
Were looking to apply for a mortgage within the next 45-60 days so any information would be greatly appreciated.
Starting Score:TransUnion: 698 (12 FEB 2010), Equifax: 674 (12 FEB 2010)
Current Score (Lender Pulled):TransUnion: 635 (15 APR 2015), Equifax: 685 (15 APR 2015), Experian: 662 (15 APR 2015)
Goal Score:All scores All scores at least 680+ by Jan 2016!!
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