@Anonymous wrote:
Why do you think cleaning your credit would lower your score? Sometimes different variables temporarily lowers the score but then you get a boost as you continue to play by the rules. When are you considering the purchase? Depending on your credit profile I don't see why with planning, persistence and some patience why you can't be ready anywhere between 3-6 months.
In May of 06 my middle score was 620. I had contacted the CA to dispute several items at that time but it didn't do much to raise my scores. This year I became an authorized user on one of my husband's low util accounts, contacted the CA to update my employer information and make sure they had my phone number on record. I also disputed several of the same items again, only this time I was successful. Two of the accounts included in my BK listed 90 day past due in Nov 04. I filed Nov 2nd 04 and the creditors were first notified of my intent to file in Oct 04, so the should have stopped the clock in November. Now they state a 30 day late payment but none that are 90 days late. I guess that makes a big difference.
I am still waiting for TU to remove one name that is listed on my report that I have never used. They also list my current name as that of my previous marriage 7 years ago. They refuse to update it saying I have to contact all my creditors to have them change it. None of my creditors are in that name so there's nothing I can do. They don't need to remove the name from my report, since it was one of my aliases, but I'd rather they include my new name instead. I hate receiving letters from TU in my old name.
I am hoping to put an offer in on a place in the next week. I have to be out of this place in 30 days, so I have to move quick.