topic Re: Need points - at whits end-HELP in Rebuilding Your Credit

Need points - at whits end-HELP

Anonymous — Thu, 18 Jun 2009 20:31:01 GMT

I have been trying to purchase a home since April. I was told I was prequalified and only needed 1 score to go up. I applied for a card before prequalifying and got it. My scores were 621 EX, 598 EQ, 584 TU. Found a house I liked but they said I had to prequalify throught Suntrust. I applied, got denied. I pulled my score a few weeks ago and TU went down to 575 and EQ to 585. I pulled them today and EQ remains the same but TU went down to 563. TU had a new collection from BOA for a checking acct which I stopped using years ago. My old condo association tried to deduct money for fees when I was foreclosed on. Association tried filing a judgement but I was foreclosed on before they could finish. They tried taking money from my BOA acct but I was no longer using it. Now BOA is saying I owe them $99 and I spoke to them about it years ago and they removed the charges but now I have a collection saying I owe. It had to be about 6 years ago when this happened. I was so close now I don't know what to do to get my score back up. I only have to open accts: my auto loan (had it for almost 2 years with 1 30 late in Jan 08) and a cc (had it since Apr 09). Have 1 collection for Direct TV on EQ from 05 and 2 on TU for Direct TV and BOA. What can I do?

Re: Need points - at whits end-HELP

BungalowMo — Thu, 18 Jun 2009 20:38:58 GMT

Call BoA, or better yet, take a copy of your report & stop in one of their offices. (have cash in hand... pay the $99). Explain the situation & I'm sure they have some special # they call & get that removed!!! You really have no major issues with them so I'm guessing they'll be willing to help you.

Re: Need points - at whits end-HELP

Anonymous — Thu, 18 Jun 2009 21:00:46 GMT

I will do that. My score still dropped prior to that BOA appearing. Not sure how to rectify that.

Re: Need points - at whits end-HELP

RobertEG — Fri, 19 Jun 2009 05:31:56 GMT

I agree that taking care of the BoA account will help, but I would get on the phone with the mortgage lendor, and ask THEM what was their grounds for denial, and they suggest you need to do to satisfy them.

Re: Need points - at whits end-HELP

Anonymous — Fri, 19 Jun 2009 11:51:15 GMT

When you say "collection from BoA" do you mean BoA is reporting it or you have a CA reporting from a BoA debt?