So we want to buy a house and I need to have at least a 620 to qualify for a loan according to our mortgage broker. She sent a copy of my report and I currently have a 563. I have thre medical collections within the past twelve months and she says if I just pay them she can do a quick rescore (or something like that) and I should be where I need to be. I gathered all my information to call the CA listed on my report the next morning. Before the sun came up I came accross Why Chat's program (Thank God). So I did not call anyone. Instead I typed the pre HIPPA letter to the CRA's. I will be mailing them tomorrow. I hope by getting these removed my score gets where I need it to be. I will keep you guys posted.
Started Why Chat's medical collection process today
Started by
Raime
, Apr 20 2012 08:20 PM
3 replies to this topic
#1
Posted 20 April 2012 - 08:20 PM
#2
Posted 22 April 2012 - 09:22 PM
Why did the mortgage broker suggest you just pay the debt in order to qualify?
#3
Posted 28 May 2012 - 08:52 PM
Did anyone see my question stated above?
#4
Posted 29 May 2012 - 03:42 PM
So we want to buy a house and I need to have at least a 620 to qualify for a loan according to our mortgage broker. She sent a copy of my report and I currently have a 563. I have thre medical collections within the past twelve monthsWere the dates of service within the past year?? If so, you will NOT get a deletion with the initial dispute letter. You need to pay the OC health care providers with the HIPAA letter insert "a"
http://whychat.5u.com/hipltr.html
OR follow your mortgage broker's advice and pay the CAs. The HIPAA letter program is NOT suitable for immediate action for a mortgage finance. Make sure you opt out to avoid further problems:
http://whychat.5u.com/OPTOUTINST.HTML
You can always get the "paid" medical collections off your reports once you have your house.
and she says if I just pay them she can do a quick rescore (or something like that) and I should be where I need to be. I gathered all my information to call the CA listed on my report the next morning. Before the sun came up I came accross Why Chat's program (Thank God). So I did not call anyone. Instead I typed the pre HIPPA letter to the CRA's. I will be mailing them tomorrow. I hope by getting these removed my score gets where I need it to be. I will keep you guys posted.
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