I need help-
I have been trying to get a morgtage loan and they tell me that they wont loan to anyone who has something in collections within 12 months. My problem is that I have a collections that is paid off and at $ 0 from 4/2014, but due to the creditor re-selling the debt the ‘opened’ date from the new creditor is in 2016… But the debt itself isn’t. What can I do to fix this? I called transunion and they show on paper that the debt is from 2014, that’s great, but on my report it ‘looks’ new.
Thoughts and suggestions?