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About tallguy

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  1. they told me as long as everything is paid off a 620 is the lowest for a VA home loan
  2. thats exactly what I was thinking. I was in sales for awhile, so I know how it goes. I already have the PFD letter written up just in case. Say worst case scenario, she doesnt go for PFD, should I just leave it on there and let it rot on there for 5 more years or pay up?
  3. thanks guys, I just need to get to a 620 to get my VA home loan. Im at 550-575. I'm also thinking of writing some "goodwill" letters to some creditors I missed a couple payments on, cant hurt right?
  4. Thanks for the info guys. I just actually got off the phone with the lady from: 7. National Credit System $1400 from 2013 - apartment complex went to collections, property mgr said I could leave no charge, then showed up on report 2 months later If you don't have that in writing from the manager then it means NOTHING. not having that in writing definately killed me and it sounded like she had a lot of paperwork detailing what happened. However, I asked why I never received any indication that I owed this money and wasn't given the chance to pay before it went to collections. She rattled o
  5. That just happened to me as well. Me and my property manager had a verbal agreement(im stupid too) That I could just move out early and the apartment company would keep the security deposit. Two months later I have a 1,800 collection on my credit report.
  6. Been reading some more and I am starting to pick up on the fact that some of these collection companies are push overs and some won't budge? If you could give me some advice on these guys I would appreciate it. Of course I am going to dispute with the bureau's first but if that fails some good tips would be helpful. 1. CAP ONE $400 from 2011 2. Midland $900 from 2011 3. CCR Services? got a $100 traffic ticket(camera caught me running light) lol 4. Amerifinancial Solutions $700 from 2011 - medical ER visit - had insurance dont know why I was billed 5. Stern & Associates has like 3 differe
  7. So basically I want to dispute every negative account with the bureaus first. If the bureaus can't validate it with the creditor than I am good on those ones and they are removed. If they do legitimize the account I am going to have to wheel and deal with the collection companies to try to get the lowest settlement while obtaining a pay for delete. I'm not sure how hardcore the guys Im dealing with are. Worst case, I negotiate a lower settlement with paid in full or something like that on the report? But that wont really do anything really that substantial to my score so I am going to hope t
  8. I have been reading that if it comes to the point where I have to settle with the collections agencies I should negotiate a pay for delete, rather that paid in full or some other jargon like that. However, I have been researching and Ive heard from some others say that it's technically illegal and a lot of them wont agree to this. Is this true? Because one source says go for it and another says it doesnt work and its better off to just let the debt sit on your report because merely settling the debt won't do anything beneficial for your credit score. I'm new to all this so thanks for all y
  9. Thanks, I think I am just going to send them all out individually just to be safe. Also, how imperative is it that I include a copy of my drivers licence and ss card into the letters? Having trouble locating them and I want to get this ball rolling.
  10. Hello, I am in the process of writing my letters to the CB's disputing multiple accounts for each CB. My questions is, should I include ALL the accounts that I am disputing into one single letter for that CB or should I send out a separate letter for each individual account dispute? Say I have 5 Equifax accounts I'm disputing, can I put these all in one letter or in 5 separate ones? Thanks for any input and advice.