You're in debt and don't think you'll ever get out, maybe got some late payments, but are trying to work something out so you don't completely trash your credit. Discussion of Debt Management Programs, debt consolidation, settlement and consumer credit counseling programs.
My wife and I are trying to push our credit score above 760 to make sure we get the best mortgage rates possible. She is currently at 751 and I am at 738. Thankfully we are planning to close on the construction loan in January 2020.
Is myFICO monitoring ($30/month) my best option to keep an eye on our scores so we can achieve our goal?
We will be about $25,000 lighter on our debts at that point from the current estimated balance of about $32,000 (at an overall usage of 26% currently for our credit limits). We are hoping the payoffs, with only one loan to be closed that’s 3 years old, will improve ours scores, but we don’t want to go into closing without “knowing” what our credit scores are.
Thanks for any advice in advance. This is my first post and I couldn’t find relevant answers in the search function.
I am currently trying to help my brother with a Bankruptcy that's being reported on Experian and TransUnion. Equifax in fact did deleted and is no longer reporting it. My brother was going to file for Bankruptcy but in the end he actually didn't. The confirmation of the proposed order was denied. Such documentation was give to him for the record. Document reads "Order Denying Confirmation
Why is it still reporting? He went ahead and disputed the reporting to all credit bureaus and Equifax did delete it but not Experian or Transunion. Is it possible for a bankruptcy to show even if such never went through?
What other steps can he take to have it removed? Thanking you all in advance for your input to this matter.
I am looking for ways to have these 3 Charge offs deleted from all 3 reports. All are around 3 years old. I have already disputed and they cam back as "verified" Possible PFD? Anyone have luck with these creditors? Thoughts?
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