My husband and I are applying for a home loan next week, we have an appointment on Tuesday. The only "baddie" is a car loan from NFCU. He successfully had EE with Experian. He's calling Tranusnion now, that leaves Equifax.
I've read some bad reviews regarding EQ's EE, any tips? Ask for a supervisor, offer our first born?
Credit reports state that the DofD was 1/2015, however, the vehicle was totalled in March of 2014, USAA sent a payment on 9/14/2014. We made no additional payments. I'm not sure if we should ask for EE with EQ or provide the last payment information in a dispute.
My thought is to attempt EE, if that doesn't work then go forward with a dispute, but I don't know how that works with a mortgage application.
A side note, in less than a year my credit scores (Fico) have gone up over 200 points. Hubby's +120 right now, hopefully another +40 with the EE and his utilization updating this week, from 58% to 1%. We couldn't have done it without the forums. So, thanks so much to everyone 
