pinkeysas Posted March 7, 2007 Report Share Posted March 7, 2007 ok so, i have some items i want rid of that are on my CR's.All are being reported by CA'sShould i try to pay the OC's on these accounts first or should I dispute these items with the CRA's first to try and see if i can get rid of them entirely????I want to get a mortage so waiting for these items to expire and fall off my reports is unfortunatley not an option. Link to comment Share on other sites More sharing options...
SHM88 Posted March 7, 2007 Report Share Posted March 7, 2007 I would dispute. Link to comment Share on other sites More sharing options...
ambell65 Posted March 7, 2007 Report Share Posted March 7, 2007 Why would you dispute, have you done so and was successful. Link to comment Share on other sites More sharing options...
divemedic Posted March 7, 2007 Report Share Posted March 7, 2007 have you done so and was successful.It is successful to follow the plans here the vast majority of the time.Read, read, read Link to comment Share on other sites More sharing options...
elyse449 Posted March 7, 2007 Report Share Posted March 7, 2007 ok so, i have some items i want rid of that are on my CR's.All are being reported by CA'sShould i try to pay the OC's on these accounts first or should I dispute these items with the CRA's first to try and see if i can get rid of them entirely????I want to get a mortage so waiting for these items to expire and fall off my reports is unfortunatley not an option.Are these accounts reporting accurately?How old are these debts?How much is EACH debt?Have you disputed ANY of these debts? If so, which ones and with whom (CA or OC)?When are you looking to buy a home? Elyse Link to comment Share on other sites More sharing options...
pinkeysas Posted March 7, 2007 Author Report Share Posted March 7, 2007 Are these accounts reporting accurately? I believe that these are my debts. I am not sure if they are being reported correctly because I forgot all about then until I pulled my credit report recently. And these CA have not been trying to reach me for any payment.How old are these debts? These debts are all around 3-5 years old.How much is EACH debt? These debts range from $100 - $500 each.Have you disputed ANY of these debts? If so, which ones and with whom (CA or OC)? I have not disputed anything yet.When are you looking to buy a home? Hopefully by early 2008.Elyse Link to comment Share on other sites More sharing options...
elyse449 Posted March 7, 2007 Report Share Posted March 7, 2007 I think you should first request validation via whoever is reporting this information. Send each collection agency a letter requesting validation. Send your letter CMRRR.Wait 30 days.Than, request verification via the three credit reporting agencies reporting this information. *Note: If the CRA is not reporting the debt, don't request verification from them, go on to whoever IS.Verify that they are yours and that the amounts are correct. The validation will be nice because that should include some things from the original creditor.Next, and if they come out verified and valid, attempt settlement. Keep in mind, -0- balances is ultimately what you want. So, if you settle for a lesser amount-make sure you negotiate the credit reporting. The ones less than 3 yrs of age will be looked at HARDER than the elder ones. And the good part to this is if you end up paying these and they appear to re-age by next year, your credit report should have bounced back FICO score wise. In the meantime, make sure you're building POSITIVE credit to though.JMHO. Attempting to get home financing is different than attempting to get unsecured credit. Firstsource over in the mortgage section may have some good ideas because this is his field. Good luck!Elyse Link to comment Share on other sites More sharing options...
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