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    Las Vegas, NV

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lasvegasbaseball's Achievements


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  1. True. I'm assuming the SOL is up as the default was 5/7/16.
  2. I need opinions on this one. Trying to get credit good for buying a house. I have two negative MORTGAGE accounts reporting on my credit reports. The first is a foreclosure, first mortgage, not reporting since 2013. The second is a charge off for the second mortgage, not reporting since 2013. As I am assuming that I am out of the SOL on this one, should I dispute these items with the 3 credit bureaus? Or is it a waste of time, as they are older? I also have 3 medical bills, not reporting since 2014. Should I try to get them to pay for delete, or leave it alone?
  3. Hello Everyone, I am new to the site, love the information, thank you all for taking the time to compile it. Ok, start with the backstory: I have a question for opinions. My house was foreclosed on back in 2010. At that time my wife and I had great credit, over 770. Since then we really have not done much with our credit. We are interested in getting a home again, and we just pulled our actual FICO scores, and surprisingly they were higher than I expected. The FICO 8 scores for me are 672, 618 and 618. And my wife's FICO 8 scores are 636, 630 and 584. Our FICO 9 Scores are superior to this, with some of them over 700, but FICO 9 is not being used right now I hear. On our credit is the old charged off accounts for the mortgage, a lot of closed accounts (4 auto loans, student loans, credit cards, etc.) There are 4 active accounts on our credit, 1 secure credit card through our bank, and 3 very minor medical bills that went to collection. Now on to my question: With us interested in getting financed for a home, what would be the best thing to do now in your opinions? Should we apply for a couple more credit cards to build that credit up? We are planning to request pay for deletes from the 3 collection accounts to remove those., or should we not bother as they are medical? We are looking for the best suggestion to proceed to prep us for a mortgage. And we are far better off than I expected going in. Any suggestions?
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