On my way to getting my first house, need some help.

[Anonymous]

Hopefully someone out there can help me out.
At the moment my credit score stands as 
Experian 628
Transunion 798
Equifax 691

As far as good open accounts with no lates
Capital One Credit Card Limit $500 open on 11/2008 balance $90
Capital One Car Loan $8000 open on 7/2010 balance down to $779
Chevron account open 3/2012 $0 balance credit limit $500
Walmart opened 3/2012 $0 balance credit limit $500

0 accounts in collection.
I have 4 accounts showing as negative. all closed 
Conns opened 3/2009 high limit $6000 payed and closed with (2) 30day lates . I have many more conns accounts listed as good pay.

Premier Bank opened 5/2008-closed 11/2009 credit limit $300 settled for less than owned
(2) 30 days late

Premier Bank opened 7/2007 closed 11/2009 credit limit $300 settled for less than owned 
(2) 30 days late
(2) 60 days late


Paypal opened 8/2008 closed 11/2009 credit limit $2500(shows 0) high credit shows $3500 
(1) 30 days late
(1) 60 days late

What is the best way to deal with these negative accounts?? 

Also need help on removing some inquiries. I sent letters as advice by CRA however 4 came back as undeliverable. I used the address listed on the CR to contact them.

[annielorie]

what is a conn account?

[Anonymous]

Sorry, Its Conns Store its kind like Best Buy. They have electronics, furniture and such. They are listed as installment account on my CR.

[annielorie]

First premier seems like a loss you could allsways Gw the lates its a stamp.  The lates on the CONN if still open definately GW.  The Cap One card get that to 10 dollars before lender pull for actual mortgage.

[annielorie]

When are you planning to buy?

[annielorie]

Sorry didnt notice Conn was closed .  Personally all you can do is GW the heck out of them try the phone also, its not like you have anything to lose. Worse case senario if the mortgage is not to your liking either wait or refinance down the road.

[Anonymous]

Capital One Auto Loan should be pay a couple of months or so.

Capital One Card should be down to $0 balance by end of this month.

I had tried 1 GW letter to First Premier Bank with no luck, I don't know if i can post the letter i sent but the letter I received pretty much says they have to report accurate information and they wll ignore any future request.

I haven't hearded from Paypal and Conns, I sent GW letters about a week ago.

Maybe someone has a contact address/email/fax i can use to get this negative resolved.

I also contact many of the companies making an inquiriesto my credit report as suggested by the CRA, so far 4 has been return as undelivered and waiting on the other to respond 

I'm waiting for my credit score to be a little higher, will probably hold off until next year to get my first house. Just found out my wife is pregnant with our first child. So happy

[annielorie]

Congrats!! Thats great!  Keep GWing until they send you restraining order LOL

[LIGHTNIN]

Welcome to the forums,

May I ask...Where did you get your credit scores?  Are they FICO scores?

Have you talked with a mortgage loan officer yet?

Have you worked for the same company for the last 2 years?

Congrats on the new baby coming soon.

[Anonymous]

I got the scores directly from each CRA

I already talk to one mortgage loan officers, they mention my score was 620

I worked at the same company for 5years , plus 2 years with a onsite temp job agency.

thank you, we are so happy about the baby.

Hopefully someone can point me to the right direction on how to rebuild my credit.