violetstar Posted December 17, 2004 Report Share Posted December 17, 2004 Hello, I am farely new to the board, but have been evaluating my credit report for the past year and have done a total of two disputes which have been pretty positive on both my DH and my scores. However, we are planning to purchase a home this month and I am trying to clear some things up in order to see if we can get a good offer.Both DH and I have not requested any new credit in the past 3 years. However there are various inconsistencies in the reporting. I would really appreciate if you can take a look at the disputes I am planning to send and provide input. It is pretty long, but I would really love any help I can get. I will send mine on a different post right after this one.DH:Transunion1. Collection Record:PALISAD COLL>Placed for Collection<Account #XXXUpdated: 9/2004Placed: 6/2003Balance: $6395Most Owed: 6395Past Due: 6395Open AccountFActoring Company AccountIndividual AccountBPPRStatus as of 9/2004: Collection Account*This was disputed in 9/31/04 and came back "verified, no change". I sent debt validation, they received on 9/14/04 and still verified with CRA. Never got anything back. Am sending follow up letter saying it was not verified, please delete. Although DH just got a certified letter I have not picked up but I have a feeling it is from them. However, they are still in violation since more than two months agoPlease anyone give me some of your thoughts!!! Link to comment Share on other sites More sharing options...
violetstar Posted December 17, 2004 Author Report Share Posted December 17, 2004 Forgot to include scores:FICO:TU: 655 12/04, previously: 698 (FACO)11/04??EQ: 662 12/04, previously: 614 (FACO) 11/04 FACO:EX: 733 12/04, previously 604:)10/04As you can see I think his scores are fair for a mortgage, so I am nervous of what can come out of these disputes. Link to comment Share on other sites More sharing options...
morrow Posted December 17, 2004 Report Share Posted December 17, 2004 I know it might be tough...but if your *urgently* wanting help...try to keep your questions a little less complex. When people go to look at your question and see a TON of info there...they tend to bypass it and it goes unanswered. Welcome BTW. Link to comment Share on other sites More sharing options...
violetstar Posted December 17, 2004 Author Report Share Posted December 17, 2004 Thanks Morrow, I know, I know, you are right, I got drained myself from writing. I am just so desperate I have been trying to be so careful with my credit for the past years and it is so frustrating when these CRA and CA keep finding ways to bring you back down.Once again, thanks for the input:) Link to comment Share on other sites More sharing options...
violetstar Posted December 17, 2004 Author Report Share Posted December 17, 2004 Do you think it is OK to dispute all of these at the same time? Link to comment Share on other sites More sharing options...
Guest jeeptravel Posted December 17, 2004 Report Share Posted December 17, 2004 yeah. dispute them all. After that try ITS or goodwill letters to the creditors.jt Link to comment Share on other sites More sharing options...
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