workinninetofive Posted October 12, 2004 Report Share Posted October 12, 2004 Hi, my lease is up in 6 months.. I do not want to renew or rent again. I am self employed and told that I need a 640 to qualify for a NIV loan. My question, I know this takes time.. should I do this on my own or hire an attorney? I don't want TL's deleted.. and I sent a letter to TU regarding lates. I read that they have been known to hit delete. I really need those TL's. So, I might be fighting them to put it back. I have 2 neg TL's with EQ, 4 with EX, and several on TU. My main goal along with deletion is getting the lates off to boost my score. I don't have many open accts. Is this something that I should be trying to do in 6 mths or should I hire a professional? With that, what $ am I looking at? I am not lazy at all.. but is it "do able"? Thank you!! Link to comment Share on other sites More sharing options...
Fade to Black Posted October 12, 2004 Report Share Posted October 12, 2004 A "professional" will do nothing that you can not do yourself except use fancy letterhead. Credit repair takes time. How much time is determined by luck. Some things are easily removed, some are difficult. Link to comment Share on other sites More sharing options...
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