help!!! try to buy a house and a old debt shows up on myfico

[slimwhit10]

I am trying to buy a house. I have spent the last year working on my credit getting it up to this point to where I can buy a house. all I had left to do was get a few dispute verbiage off I have since completed that. now I all of a sudden have an old tmobile account from 2007-2008 that just went and posted a collections on my credit report, with on knowledge to me it may be my debt but I don't remember this what should I do I am just about to start my house hunt will this affect me. should I pay it

 

please someone help

[moosetracks]

If you have not already done so you are going to want to app for a mortgage to bring out any more of these from the woodworks at least 6 months prior to actually app for the mortgage. The first thing is to DV the reporting CA.

[slimwhit10]

If you have not already done so you are going to want to app for a mortgage to bring out any more of these from the woodworks at least 6 months prior to actually app for the mortgage. The first thing is to DV the reporting CA.

 

 

I'm not sure what DV the reporting CV mean???? they have not yet posted it on myfico but some other credit sites show it. if I dispute it I may not be able to get the loan if I pay it will it show up?? and if so how soon should I pay it and should I pay it in full or settle