We financed a stated loan last year for a mortgage; we would like to refinace this year before the rates begin to rise. However, my husband's credit score is not that great. And, although we have been working with a credit specialist, I feel some things may be failing through the cracks that could possibly raise his score.
Can anyone please advise on removing negative items such as collections on a credit report ? My idea to my credit specialist was to settle with the companies; in return have them report a positive to the bureaus? But, I was told to just keep disputing and evenually they will be removed. Well, it's been almost a year and still no luck, and his credit score has not budged in several months.