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Jason14

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    38
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  • Location
    MN
  • Interests
    outdoors - fishing
  1. Thanks for quick reply folks..
  2. finally found a home @275K in area we were looking - Help Please - can someone chime in please does rate of 4.25 reasonable with 5% down and scores as Eqf 627 Trans 664 Exp 689 ..
  3. I finally started the pre qualfication / pre approval process . the credit pulled by lender matched myfico mort scores. The Scores were - Eqf 627 Trans 664 Exp 689 . I had not got any paper document but I was told that i was pre approved conventional with 5% dwn. I asked for rate he said for today is 4.25 but it will keep changing until i lock the rate. I am still looking for a home in preferred area but seems it may take little longer time till we find a place. Question - does this rate of 4.25 looks fine for my scores ? Other that the dispute with AFNI which should resu
  4. This is it I was looking for .. . thanks a million cant thank you enough . No problem, good luck Jason! This is it I was looking for .. . thanks a million cant thank you enough . No problem, good luck Jason! Send the dispute letters with other info - Fingers crossed- eyes closed .. praying this collection to disappear
  5. Pulled up 3b Report last week and the scores below, seems much better than i intially thought.. EQF TRU Exp Regular 661 650 661 Mortgage 621(Fico5) 664(Fico4) 675(Fico2) Utilization Balance - 10% of available credit On the other side- Im give it one last attempt with AFNI/ATT Collection - dispute sent yesterday by mail .. Im praying this goes away...
  6. This is it I was looking for .. . thanks a million cant thank you enough .
  7. any chance of disputing a paid collection - on last balance reported... the worst mistake is i paid that amount in rush to ATT.. I am now thinking disputing with CRA's saying the amount reported as last payment is not correct and want to ask them details . AFNI just gave me 1 bill nothing more... anyone guys pls help -
  8. did they put a collection ? these jerks did on my reports...
  9. Congratulations !!! I read your other posts .. well deserved .. Enjoy ...
  10. AFNI is horrible... Anyone Ideas ??
  11. I paid ATT ..but that was after i recieved letter from AFNI with an OLD bill from ATT
  12. Here is my situation Im going for mort app in next few months and would like to see the best i can do on these baddies on my report . I did good will and disputes on these but they wont go .. I got a Amex card again and somehow they seem to be good to me in last year i started with 5k now they auto CLI to 7k.. If it were you how/which one will you try cleaning up ? I belive the AFNI cost me a 30pt dip when it showed up on my reports... Any advice be very much appreciated. -ves I pulled today from Equifax Amex Date Reported 12/14/2013 Date Major Delinquency First Reported: 1
  13. Thanks Folks for all the advice... I will start a new thread in Credit section and see. will come back with more updates/question as i move on with mortgage app.. Thanks Again
  14. Im sorry .. I know its lot of asking but here are my baddies .. any suggestion be very much appreciated . I still think the AFNI did a big hit on my scores when collection showed up my scores tank .. Only BOA was settled for less than actual amount rest all 0 balances... +ve In Good Standing 3 Cap1 1 Amex 1 Auto Loan 1 Macy & 1 Slumberland -ves I pulled today from Equifax Amex Date Reported 12/14/2013 Date Major Delinquency First Reported: 1/1/2013 Status CHARGE-OFF Activity Description Paid and Closed Date of First Delinquency: 12/1/2011 Comments "Paid charge off, A
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