maddkredit

OP, I highly recommend you DON'T incur any new debt until your closing is done, and you have the keys to the house in hand. Look on craigslist for a car you can pay cash for that will last until closing. The lender will do a soft pull just prior to closing, no need to jeopardize your loan closing since you can finance a car if you wish after closing. Any new debt will bring scrutiny from the underwriter.

I would DV to new CA requesting full validation, if they don't validate and fail to delete, then file complaints with AG, BBB, FTC, and any other agency that will listen.

Bank of America is pretty straight forward or Navy FCU.

I think that should cover it. Now you just need to wait and see what lies Asset will tell to the AG, and BBB. This is where I got them to fold.

What would be the best way to do this? Is there an example of a more demanding and to the point letter that I can try? You need to request proper validation. Inform them that what they sent does not constitute validation according to the FDCPA. I beat them by getting the AG and BBB involved.

CONGRATS!! I did the same thing... hopefully they will delete soon... Took about a week.

I got them to delete by filing complaints with the BBB,AG, FTC right off the bat. The amount was small, past SOL, about 6.5 years old. They sent a message to the BBB stating they will delete.

If you check out some of the new home builders, they are offering serious deals, such as paying your closing and 0 down for certain programs. Ryan and KHovnanian are the 2 that come to mind right off the bat. They also have their own in house mortgage company that will usually help you if your score is borderline.

I'm a MD resident. Filed complaints with the MD AG, BBB, FTC, and SC AG. Waiting to see what happens.

These guys just popped up on my reports. NO dunning letter, alleged debt is from 2005. I have sent them a DV and disputed with the CRA's. Now just waiting to see what happens.

ttt

These clowns just popped up on my reports also. no dunning letter, just reporting some nearly 7 year old account as a data factoring company. But it appears they are under LVNV Funding. Gonna hit 'em with the 1-2.

Any idea why the scores are so low? Maybe pay down revolving debt and try to get the score up to about 660. Many banks are requiring a 640 to 660 even for VA. Also i have heard Navy FCU is very goo. Maybe give them a try. Good Luck.

I just opend an account with scottrade. When picking stocks, what do you use to guage how healthy a company is and whether its worth buying?

VA all the way! I used my VA Loan in 2010 and the process was way smooth. We purchased new construction through a builder and the paid all the closing cost. We only paid $500 out of pocket and got into a new home.