@Anonymous wrote:Your credit report is ultimately a snap shot of the last two years of payment history. If your lates are from 2017 and 2018 then the amount those are actually hurting your score is very minimal.
Removed the rest of the quote as there are quite a few questionable things in this post.
OP, lates do absolutely hurt you. 30 day lates do not sting as much after a couple of years, but 60 day late and anything 90 days or more hurt the entire 7 years, pull down your score significantly, and have the effect of putting you in a lower scorecard.
The charge offs are hurting too. You can try to goodwill those away. I would not suggest you dispute valid debts as that can come back and bite you. Either they decide its time to sue on the worst case or they update an account that has not been updated in a while and you take a score hit because of that. Do a search for the goodwill saturation technique and put it to work on all the baddies. They may say no, but they may also say yes. Never know until you try.
Also the poster who said they took people from the 400-500s to mortgage-ready in 90 days is delusional. You may get to FHA low range of 580 in that time with whatever shady techniques offered, but not to a point that your score is rock solid and you could qualify for better rates. Time and goodwills is really the only valid move here.
@Anonymous+
I have been on here for over 4 yrs everyday helping people. In my personal life I have helped 8 Firefighters become homeowners in my dept. I was invited to 8 house warming parties. Im no expert. I just apply what I've learned on here. So 4 yrs to 17 yrs. Its all the same. I can only speak for myself. Tons helped me to get where I'm at after BK in 2015 from this forum. Now I do the same. I dont know how many I've helped on here. But its a team effort anyways. And we are all free, no charge. Just our time to help others rebuild. Some hang out in other ares of the fourm and dont venture in here. I stay here and the BK sub-forum and dont venture out much. You want to post and help. Cool. Feel free cause we are free.
Good Day!
@FireMedic1 Thanks so much, I will try to goodwill as much as I can since these last things have been a pain to take care of whatever I can't do anything about I will let time do its thing. Last question how do I know the date something will fall off? For a late is it the actual date of the late payment 7 years after? Also charge offs is it the date it went to charge off? Thanks again
@Moni209 wrote:@FireMedic1 Thanks so much, I will try to goodwill as much as I can since these last things have been a pain to take care of whatever I can't do anything about I will let time do its thing. Last question how do I know the date something will fall off? For a late is it the actual date of the late payment 7 years after? Also charge offs is it the date it went to charge off? Thanks again
For a late. Its the last month that was negative before it back to normal on time payments. A CO is the date of the CO plus 7. Whatever the last neg before things become normal again. Thats the DoFD as we say here. Cool?
