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Advice Needed


Hopefairy
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The last post in this topic was posted 2531 days ago. 

 

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I am hoping to clean up my spouse's credit report. Not sure there is much I can do with this. Any advice? Score is below 600.

 

Negative account

 

Comenity/JJil- opened 9/11=120 days late 3/14, now current

 

Capital One: last payment 10/08 unpaid charge off TU: remove 10/15

 

Capital One: last payment 7/13 paid charge off TU remove 7/20, tried PDF before paying

 

National Collegiate- private student loan, Last payment 11/08- out of SOL? TU: remove 10/15

 

National Collegiate- private student loan, Last payment 11/08- out of SOL? TU remove 10/15

 

Swiss Colony- last payment 10/13, charge off, $87, have PDF letter ready, heard they usually don't respond TU: remove 10/20

 

New TU but not on EQ

 

Transworld System: report x2 student loan above with last payment date of 11/09 and drop off date 1/16, this was previously reported from another collection agency that dropped off 11/14 when hit SOL, this CA just popped up 2 weeks ago, have not received anything from them.

 

Positive accounts are all AU accounts. Goal is to increase her score enough that we could get a mortgage. Don't plan on getting much credit in her name.

 

 

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I agree with shifter on both posts.

 

Most mortgage UWs ignore AU accounts. Her scores will also continue to suffer, even with just the Cap1 reporting, if she doesn't have any accounts in her name as well.

 

Is the goal for a mortgage 2016?

Edited by mendelssohn
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In what state do you reside?

 

The National Collegiate you should try the one-two punch. PM and I can share more of my personal experience with them.

 

Transworld is on her credit report before sending a dunning letter? I would get a letter out to them and the credit reporting agencies citing the violations.

 

Agree with the others, she is going to need some positive accounts.

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