Score is there...just need some items changed.

[Anonymous]

Guys, first off thanks for all the help last time.

Had my credit pulled from a lender, and I was 624 for my middle score. Still have to write explanation letters for lates that show on my report, but I'm not too worried about that. Here IS my worry...

I paid a 'credit repair company' a few year ago to help me. Well, looks like all they did was dispute all my outstanding late debt. Now, they may have gotten some things removed, but two items are still showing on ONE of my reports as 'customer disputes'.

Lender is telling me I need letters from these companies saying these items are now not in dispute. One of these item was supposed to come of reports last month, and on the two reports that were in the 620+ range, it is gone.

What do I do?

[Booner72]

Which CRA has the dispute listed?

Call that CRA, ask for the "special handling department" and ask them to get the dispute comment removed.  It will probably take a bunch of your time getting someone on the phone to help you, but it is do-able.  Another member recently went through this exact situation, and he was able to get the comments removed, and he closed on his house!  While you have the CRA on the phone, find out why that account has not come off your reports if it is scheduled to drop off.  Sometimes it can take 7.5 years instead of 7 to drop off due to their lagtime.

Or if your Loan Officer says that a letter from the company saying you are not disputing it will cover you, then go that route...I'm not sure which one would be easier - you might want to get to work on both and see which one comes through faster.

Dispute comments will stop a mortgage in it's tracks.

Sorry you got ripped off and GOOD LUCK with the house!!!!

[drkaje]

I called the Ex number from Shanethemortgageman's (Sp?) thread and had an old dispute removed within hours.

In my situation it was a case of blindly following forum advice without understanding its implications. I didn't know disputes decided in a creditor's favor remained on reports or that Ex loves to re-age verified information. FWIW, I was disputing an actual inaccuracy and still don't know how that one late payment is possible considering BoA sent me documents that prove it was paid on time that month.

Currently, I'm wasting ink asking BoA for goodwill on 5yr, 5mo old late payments. It took calling three people at BoA to even find the accounts (by number) and their system has no record of my SSN, ever! I'm sorely tempted to dispute again but request MOV as BoA (itself) cannot verify my ever having an account by SSN. The other side of me is more or less like: "STFU and let it age off, you were irresponsible!". Obviously, having it changed will result in a clean record but won't do anything to change history, LOL!

[Anonymous]

Equifax is the one that continues to show so much more of the negative information, while the otehr two show, as I stated in anohter thread, more of what I think is my actual situation.

And I know we cant get our actual FICO from expirion, but the score the lender pulled on that was fine, actually turned out to be my highest!

So yes, the lender is saying  I need the letters from the companies. And even if the one that was supposed to fall of....falls off, I still need the letter. I guess what I am worried about is, I'm not getting collection notices on these debts, I have not for years. Is this going to stir up a hornets nest of things that have settled down? Are they going to ask for a partial payment to show the status as 'not in dispute'? I know after this long (or I hope) that I can probably settle for a good price, but will it be on time?

All in all, we like the house we are looking at, but if we dont get it, it just wasnt meant to be. So maybe it will just take us waiting for all of these to fall off and going with a different lender.

[Anonymous]

Thank's I have TL's that I never disputed with comments saying that I am or did and I didn't know how to get them removed.

[drkaje]

---

@Anonymous wrote:

Thank's I have TL's that I never disputed with comments saying that I am or did and I didn't know how to get them removed.

---

I didn't know (until joining here) that "Customer disputes" makes getting a mortgage difficult..

[Anonymous]

Yep, it's looking like that is the only thing stopping me. I'm really hoping that asking for these letters showing I'm NOT disputing it doesnt wake a sleeping giant....