Prepping my credit for my third mortgage in Januray

QuestionsPrepping my credit for my third mortgage in Januray
asked 4 years ago

Hi everyone,

  

I’m looking to buy a home in December or January but this time I am looking to go conventional instead of FHA. I’ve owned two homes already (never defaulted) and sold these homes within a year or two. Im currently renting in an area where I am paying 3k a month so owning a home would actually save money. A quick history of myself I make 300k a year and have had nothing but perfect credit for the past 4 years with a few minor mistaked. I made the mistake of filing a Chapter 13 Bankruptcy back in 2011 but quickly changed my mind and voluntarily dismissed it. This is killing my score. There are some other things on my report that are keeping my score at the following levels.

 

 

EQ – 671  TU – 647 EX – 655

 

Within the last week I paid off all my credit card debt ($ 2,500) so these numbers may go up. Anyways there are some items on my report I identified that may be bringing my score down. How would you suggest I approach these items below to either dispute, settle, or other ways to get these updated or off my report such as asking for an early exception from the Credit Bureaus. I’ve copied and pasted and apologize if the tables look off.

 

 

Here are my negative items.

 

 

#1 FCO – FAIR CREDIT AND OUTSOURCING

  • I’ve tried writing them a letter asking for proof of balance owed after I made a settlement. They replied back with the quote ” They don’t have to respond to my frivilous challenge”.
  • I’ve disputed numerous times and wrote goodwill letters. They won’t budge.
  • There are some dispute avenues I have not tried. My argument is that I paid the amount they claimed I owed with no proof. At the time I needed to payoff this debt in order to move into an apartment complex.

 

Collection 1 of 1

Equifax TransUnion Experian

COLLECTION AGENCY

Fco

Fair Collections & Out

ORIGINAL LENDER

09 Rushwood Apartments

Rushwood Apartments

ORIGINAL BALANCE

$ 935

$ 935

CURRENT BALANCE

$ 0

STATUS

Payment after charge off

/collection

Account legally paid in full for less than the full balance

DATE ASSIGNED

Jan 18, 2016

Jan 18, 2016

ACCOUNT NUMBER

XXXXXXX

XXXXXXX

ACCOUNT HOLDER

Individual

Individual

DESCRIPTION

Account information disputed by consumer

 

 

 

#2 CHAPTER 13 BANKRUPTCY – VOLUNTARILY DISMISSED

  • Disputes with credit bureaus lead nowhere
  • Tried using Lexington Law but never let them get that far to handle
  • Almost seems impossible to remove. Imagine someone has had success similar to mine especially being this late in the game.

 

Public Records

 

Public Record 1 of 1

Equifax TransUnion Experian

TYPE

Bankruptcy

Chapter 13 bankruptcy dismissed

Bankruptcy chapter 13-dismissed

COURT NUMBER

496VF00032

1004001

CASE NUMBER

——

—-

DATE FILED

Dec 01, 2011

Dec 30, 2011

Dec 30, 2011

STATUS

DISMSD/CLSD CH13

DATE PAID

Oct 31, 2012

AMOUNT

$ 0

PLAINTIFF

ACCOUNT HOLDER

Individual

Individual

CATEGORY

Bankruptcy

Bankruptcy

Bankruptcy

 

 

 

#3 VERIZON WIRELESS – COMPLICATED

  • Account closed I went over to T-Mobile
  • Offered to pay for deletion directly – Would not accept
  • Disputing amount owed – They mailed me hard copies of the past few months billed….still dispute
  • Disputing with the Credit Bureaus seems never to work.

 

Revolving Account 16 of 17

Profile Equifax

 

TransUnion

 

Experian

COMPANY

Verizon Wireless/Sou

Verizon Wireless – South

Verizon Wireless

LOAN TYPE

Unknown

Phone

Unknown

ACCOUNT NUMBER

XXXXXXXXXX0001

XXXXXX7970

XXXXXXXXXX

ACCOUNT HOLDER

Individual

Individual Account

Individual

DATE OPENED

May, 2012

May, 2012

May, 2012

Status

Equifax

 

 

 

 

TransUnion

 

 

 

 

Experian

 

 

 

STATUS DATE

Jul, 2017

Aug, 2017

Aug, 2017

CONDITION

Open

Open

Open

LAST ACTIVITY

May, 2016

Not Available

BALANCE

$ 2,573

$ 2,573

$ 2,573

STATUS

Collection account

Collection account

Account seriously past due date

/account assigned to attorney, collection agency, or credit grantor’s public collection department

Payment Timeline

Equifax TransUnion

Experian                                                                                                                                                  

 

9

10 11

 

2015

12

1

2

3

4

5

6 7

 

2016

8

9

10

11

12

1

2

3

4 5

 

2017

6

7

8

History

Equifax

 

 

 

 

TransUnion

 

 

 

 

Experian

 

 

 

LATE 30 DAYS

0 times

0 times

0 times

LATE 60 DAYS

0 times

0 times

0 times

LATE 90 PLUS DAYS

0 times

0 times

3 times (Aug 2017, Jul 2017, Jun

2017)

WORST DELINQUENCY

None Reported

None Reported

Charge Off/Other Derog

HIGH BALANCE

$ 2,573

$ 2,573

$ 2,573

Terms and Remarks

Equifax

 

 

 

 

TransUnion

 

 

 

 

Experian

 

 

 

TERMS

1 Month

SCHEDULED PAYMENT

CREDIT LIMIT

$ 2,573

REMARKS

Consumer disputes this account information

 

Collection account

Account information disputed by consumer

Account Information Disputed By Consumer

Contact

National Recovery Operations Minneapolis, MN 55426

(800) 852-1922

 

 

 

 

 

 

 

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