Dragonfly66

That was what I wanted to hear. Thank you and everyone else on this forum that responded. I feel much better pursuing this option now.

Good point. That's something I didn't even think about.

Thanks, CV. That doesn't surprise me. I was just curious if they would look at it negatively for some reason, but it sounds like it's just viewed like any other debt.

Hello. I'm planning on buying a house this summer and was thinking about getting a loan from my credit union to consolidate some credit card debt in order to lower my overall monthly payment. Would this be something that is viewed negatively by a potential mortgage lender? It would be around $13K. I know there are a couple of mortgage gurus on this site so I was hoping they might give me some insight. Thanks in advance.

Great news! Thanks for sharing.

It's been a long time since I've asked for one but I used to dispute them as obsolete. That did work once upon a time, but it doesn't seem to be the case anymore. What I've seen in my research on this site is that people have had success actually calling the CRA's and asking for an EE. It can be hit or miss, but some have had success doing it. The most they can do is tell you no. TU - online works if you're not more than 5 months out. EX - call the month before the 'estimated to remain on record until' date. EQ - don't bother This is good to know. I wonder what made EX delete early for me without my asking them to. Not that I'm complaining. I'm definitely going to try TU after Christmas. Sent from my iPhone using Tapatalk

It's been a long time since I've asked for one but I used to dispute them as obsolete. That did work once upon a time, but it doesn't seem to be the case anymore. What I've seen in my research on this site is that people have had success actually calling the CRA's and asking for an EE. It can be hit or miss, but some have had success doing it. The most they can do is tell you no.

OK, so here's the deal. I have 2 baddies left on my credit report, both due to fall off in March/April 2017. The worst is a BK13 that I got dismissed. The other is a 2nd mortgage with Ditech that I defaulted on and ultimately settled for less than what I owed. A few days ago my EX score shot up 23 points to land at 702. Needless to say, I was ecstatic. I attributed it to a CLI from Lowes ($300>$5,000) and the addition of my Macy's Amex with a $2,000 SL. It wasn't until I received a paper copy of my EX report in the mail today that I realized they have pulled Ditech off my report early without me even asking! I now realize that was the more likely reason for the 23 point jump. Whatever the reason, I'll take it. Let's hear it for EX giving the gift of EE this holiday season! I had been reading about how difficult it is to get EE's from the CRA's, especially EX. I just tried it with EQ a few days ago and they gave me a hearty "NO", and said I would have to wait for the deletion date. Needless to say, I'm going to at least try to get an EE of this (and my BK13) with TU and see what they say. Maybe they'll be in a giving mood also. Just wanted to share in the event that this helps someone else.

Congratulations, Carnut!! That is excellent. I am on the exact same journey with the exact same time frame. I'm not there yet, but I just broke the 700 barrier (702) with EX as of today so I'm on my way. I'm waiting for a BK13 and one other baddie to fall off in March 2017. I'm also working on lowering utilization and doing a goodwill for some 5-6 year old late payments on a previous mortgage. Hopefully that will get me there before June.

Yes it absolutely does. Congrats on TU! They are the stingiest with me. They only gave me 1 point for the addition of my Macy's Amex. Lowes still hasn't reported to them yet, so we'll see. Sent from my iPhone using Tapatalk

I understand exactly what you're going through. I just got a notification today from MF that EX just jumped 23 points to land at 702. My first one to break the 700 barrier. I couldn't stop staring at it. [emoji1] It was because of a $300>$5,000 increase on my Lowe's card and the addition of a Macy's Amex with a limit of $2,000. I can't wait to see what effect that has on my other two reports. I still have an Amex Everyday with another $1,000 limit that hasn't reported yet. I hope that will help too. Sent from my iPhone using Tapatalk

Wow! Very nice! Sent from my iPhone using Tapatalk

Excellent progress. Congrats. I'm in the same boat. Waiting for the last 2 bad items to drop off in March 2017 so I can buy a house next summer. Sent from my iPhone using Tapatalk

Big, fat NO! Especially since I have just gotten back in Amex's good graces after they excommunicated me so many years ago. I'm hoping to make it grow over the coming months.