jbarretta

Damn the same thing is happening to me, im going for a mortgage and im disputting 3 student loans with a total of 30 120 day lates. My 3 scores are all close to 800 and I'm scared that once I remove the disputes my scores will plummet. I dont know what to do. My lender wont do the loan with the disputes on there

The accounts have been disputed many times but currently they have been verified. The reason my scores are so high is i piggyback on my wife and grandmothers credit cards which have no lates for over 15 years. Can anyone help me?

Like everyone else, I am completely shocked that you managed a near 800 score with 25 30 day lates as recent as 2010. That just doesn't add up. Have you verified that the lates appear in the report you are pulling on MyFico? As far as your original question, it is very hard to remove late pays from a report. If they are accurate, your best option is a good will letter, but I would not hold your breath with 25 late pays; I don't know many lenders that would be willing to look the other way on that many occurrences. How did you wind up with 25 late pays? Did you get behind an just stay that way for a long time? http://s153.beta.photobucket.com/user/jbarretta/media/myficocreditaccounts_zpsccc23e3e.jpg.html above is a link to my credit snapshot, i dont know why people are doubting me, i have over 20 90 date lates and an 800 fico score, that not a vantage or any other scoring model, its myfico.com The answer why i have that many lates is that i was a deadbeat for my early adult life, got maried, had kids, fixed my credit score, most of you have seen this movie a dozen times. Anybody have any luck getting suntrust student loan tradeline deleted besides a gw letter?

797 View Report: 12/04/2012 Buy Today's Score I know my debt to income ratios, it has nothing to do with the price of the house, can anyone give advice on my original question?

Wait how is it possible to have ~20 90 day lates and an 800 FICO???? Where are you getting your scores? It doesn't seem possible that the scorecard wold go that high. It is generally frowned upon to request paid services, and your post could be construed as a shill post. Given the sensitivity of credit repair and personal information, you should be extremely leery of private messages soliciting work offering to perform services for you for a fee. The scores are fico scores pulled from a lender and i check myself on myfico.com. I seems the student loan lates are not calculated into my score. Its a conventional mortgage, fha would be even harder. Im sorry for asking for paid help, does anybody have any advice?

They are as recent as 2010 so i still have many years before it comes off, my wife thinks we are getting a house in 2013, i have 2 babies. Waiting is not an option, im willing to do whatever it takes.

Using the techniques learned on this board, I manged to get my Ficos from 499 to almost 800. The problem is, lender underwriters still are not approving me for a mortgage because Suntrust bank is still reporting over 25 90 day late and even though my scores and other compensation factors are strong I still can't get approved. I have tried every method, 1-2 punch, numerous letters, etc. But by law they still have to report. I got every other baddie off but this one. I I'm looking for a credit repair guru that someone on this board can recommend. Someone has mentioned to me to file a lawsuit, is this a good idea? What is my argument? Please me wife doesn't know we will have a problem, any help would be appreciated.

I have been battling with the student loan lender but they wont delete, if its really not affecting my score i guess i will call the dogs off. All i need is 750 fico middle score to get the mortgage loan i want

My credit is perfect now thanks to this site, myfico equifax is 775 and i suspect my experian is higher than that i think. I just purchased a myfico score and when i go to accounts, it has my 90 day lates but its says its not a negative score indicator. i have refinanced my student loans in 2010 but i have many 90 day lates from 2009. Why is this not affecting my score according to myfico?

Lets say for arguments sake, my Ex fico is 25 points lower than credit sesame and credit check total, that would knock it down to a 770 and my middle score will still be the myfico eq 769. I might just have a mortgage bank run my report and waste the hardpull. Can someone just make me feel good and tell me my middle score is most likely in the 770 range! lol

Is it safe to assume that myfico Eq is my middle score? Im making that leap by assuming that my Ex fico is my highest even thoug i cant buy it because credit sesame and CCT have it above 790. All i know for sure is transunion is def my worst

I owe this board my life and im going for a mortgage soon. I want to hear the experts opinion on what my actual score is as far as a lender would see it. My theory is that my "score" is 769 See if you agree, here's the data. Credit check total scores Ex 792, Eq 711, Transunion 711 Credit sesame score 795 Credit karma score 620 myfico transunion 685, Eq 769 Heres how i got 769, transunion is clearly my lowest, credit karma has it as a 620 and myfico is 685. Both credit sesame (which is experian) and credit check total experian have 792 and 795, so even though you cant buy your experian fico this leads me to believe that my experian Fico is probably my highest score. That leaves myfico equifax score of 769 my middle score and therefore lenders will assign me this score, did I do this right? would love to hear some long time board members analysis.

Anyone out there with a positive experience?

I have successfully gotten my scores into the 700's from a 490, however aes is still reporting my student loan baddies. Im buying a house and getting AES to stop reporting is very important. I have a year of on time payments being reported by the us gov dept of ed, but aes is still reporting the baddies. I understand its much more difficult, ive tried disputing, validating,6 jack attack, i pointed out specific incorrect info ( 623 dispute ) nothing has worked. Please if you've had success, tell us how you did it? I was thinking of an ftc dispute next and sending it to AES with a threat to sue

I have successfully gotten my scores into the 700's from a 490, however aes is still reporting my student loan baddies. Im buying a house and getting AES to stop reporting is very important. I have a year of on time payments being reported by the us gov dept of ed, but aes is still reporting the baddies. I understand its much more difficult, ive tried disputing, validating,6 jack attack, i pointed out specific incorrect info ( 623 dispute ) nothing has worked. Please if you've had success, tell us how you did it? I was thinking of an ftc dispute next and sending it to AES with a threat to sue