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This has been a roller coaster for us for sure! UW came back with a conditional approval and some normal conditions, updated pay stubs, statements, etc. Got these turned around super quick for them. Then, I get word that I have a dispute comment that needs to be removed before we can get a final approval. Just freaking a little since this will be the 3rd hard pull from the lender, and how that might impact my already fragile scores. I've already had a bogus collection pop up after getting a pre-approval, score tanked, fought it out, got it removed. Anyways, they were super cool about the dispute comment, and gave me a letter to fill in so their credit company could get the comment removed.... waiting on that.
The builder has already started construction on the house, but we have at least 6 months before it is finished. Do they do a final approval, then we wait until the home is finished, and then close??
I just had this same issue I just posted on, my approval was tanked because I had to get a dispute comment removed it took my score down 26 points because this collection was due to come off next year. I can't stop the tears from falling. I hope this does not happen in your case really worried
Yeah it is awful they reassured me that my fine was nothing to worry about
How long did it take them to remove the comment after your letter?
four or five days
Ok, had the comments removed by CRA's... got confirmation in December. I just re-checked my reports and the comments are back on there. The good thing was that my scores did not drop after they were originally removed. I assume because this is a collection account I am dealing with.
So, I have to find some way to get the CA to remove the dispute comments before the lender has to pull my scores/reports again mid-Feb. This is def. a PITA! The house will not be finished for at least 3 months, so hopefully that's enough time.
I went thru this same exact thing. I had to do a dispute that I was no longer disputing the account.
Took about 3 tries and they finally got it. 3 months later.
There is a thread somewhere around here and it lists telephone numbers for each of the CRA. I called them and the comments were removed within a day... TU and EX removed them right while I was on the phone with them. If I can find it, I will add the link to this thread. I think it was Dallas the loan guy. I think my scores may have dropped a few points but not more than 10.
Thanks, I followed the instructions and the CRA's deleted right away. It worked great. However, the collection agency added them back in when they reported for the month. I am a little confused though, because I know at least Equifax created a dispute and investigated with CA. But it's back on there too. Going to try and fax and mail the CA to tell them that I am not disputing.