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Quick history: My wife has a house in her name, plan to keep it that way. She has excellent credit with income to support that loan. My name is not on it anywhere. I drive 3 hours a day since September and really need to move, got pre-approved for 180k, so i made an offer and got a house under contract. The company states now that they want a 660 score. I can get out no problem with the financing contingency, but i don't want to do that. My mid-score is 609. All of my poor credit has Dofd end of 04 or beginning of 05. I know there are companies who can do sub620 loans, but I need one immediately. I don't need a pre-approval i need a company to approve at uw. Edited - Your Request violates the terms of the board Please don't bother and respond if you intend to tell me no, wait, etc.

http://creditboards.com/forums/index.php?showtopic=431720

From some quick research it seems you can file a "Claim of Exemption" to reduce the garnishment if you can't afford basic living expenses. You would file this with the court that issued the garnishment and then show your bills and why you need a cheaper amount per month or why you just cant afford it. The judge could throw out the writ of garnishment based on this.

Court?

Makes sense to me.

I read an article about this, they will report the largest balance as the highest available credit limit usually. It will more than likely damage your util %

In a random dispute to TU for my address they ended up: - Adding an open trade line they weren't reporting (good thing) - Erased over 100 soft pulls - Added back 10 hard inquiries - Didn't change my address to my correct address

I think Jack was shooting at: You have an agreement with Verizon, therefore they have the right to call you.

If they aren't scammers you need to sue them and report them to the BBB and AG. They gave you personal information on an account that you are not authorized (FDCPA Violation) They threatened to put her in jail (FDCPA Violation) I'm sure there's others. Don't talk to them at all.

It looks like you caught up 2 months and it moved you from 180 days in december to 120 in january and then went back into default.

Settling with a CA will do absolutely nothing to your credit score. Go to the OC and ask them to take the debt back and pay it through them. CA's are horrible companies who will take advantage of anyone they can. After it's paid the OC will report PAID AFTER CHARGE OFF. The CA can be taken care of after the OC recalls it from them.

Companies have already received a tax break on your written off accounts. The collection agencies will lie, cheat and steal to whatever they can. If this is old debt now is a good time to validate debts. The CA's have probably added illegal fees and interest. Don't use a "consolidation firm". CA's will abuse your situation 100% of the time and firms like this do nothing you can't do.

What amounts are they? You shouldn't stretch to pay it off if you'll loose something more important.

Some things that are stubborn (BOA) will be a stall for another 6 months and they'll be gone. Other things I will continue to chip away at.

They're raising it to drop it next month even harder.