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  1. So as a follow up my transunion and equifax vantagescores both jumped about 50 points. according to wallethub, which may be bogus, it said that the 2 collection accounts were removed from the transunion report. However, I got dispute results from experian that confirmed the accounts. I am going to continue the Hipaa process there, but is it common for mixed results from the 3 CRAs?
  2. I will follow your process depending on what I get. I wish I had taken care of this before it went to collections, now I could easily pay this off
  3. Thank you, this medical service was in 2020 with my former insurance company. I will try to pull the EOB if possible and make sure that was correct. if I have opted out would that prevent a letter? How would I tell the CRAs I have not received a letter
  4. I have 2 collections from Medicredit on my credit reports, unfortunately I have missed the 30 day window to send a dispute letter. I have not received any letters, just automated messages from the CA regarding my accounts. Is my best route a pay for deletion? I would like to settle for less than I owe and just be done with this.
  5. I wonder if you haven't filed 2020 taxes, they would just look at the 2019 returns for your income??
  6. I am about to close on my refi, 30 yr at 2.625 with points Sent from my SM-G920V using Tapatalk
  7. I'm tempted to try goodwill with Crap One, got a 30 day late from 2018 that is killing me, Fico 8 of 742, I'd imagine removing the late would put me close to 800
  8. It's interesting that we see both the same things. I really thought most lenders would be using FICO 8 or 9 scores, but I guess that is not the case
  9. ok, it seems though the loans I have been applying for are using them
  10. I am seeing a big discrepancy between my fico and vantage scores (27 points), is this common?
  11. Thank you to both you and cv91915. I will be putting together my reports and scheduling a meeting. I will let you know how it goes!
  12. Thank you! I would never pay more than $400 a month for a car, and will probably never buy a brand new one either. I am thinking I need to look into a credit union or bank. I bank at Wells Fargo, Chase, and Ally, but I really do not want to get a loan through Wells Fargo. Unfortunately I do not qualify for Navy Federal. Thankfully our house has about 75k in equity, but I would rather not tap into that if I didn't have to. Honestly I am in a much better place now, then 3 years ago when all my cards were maxed out, and I could barely afford the minimums.
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