Jump to content

New And Need Some Help!


CalEqt
 Share

Recommended Posts

Hi Guys I Am new to the site and Have a few questions. I Am getting married in september and we would like to buy a house after. However I have had some credit issues in the past that I would like to repair. My CS right now is 589. My Future husband has excellent very high credit , but we will need both incomes to quilify. So here I am starting my credit repair journey and would love some help.

My first question is: Should I try to send a GW letter to the OC first and if it does not work send a dispute letter to a CRA? OR Should I Send a dispute letter to the CRA first and if the late payments aren't deleted try to send a GW letter to the OC?I have some TL's that are from 2007, PIF, AND closed, the rest of the late payments are from 2007. No collections or anything

Also

Do I send a Dispute letter to only one CRA or do I send the same letter to the Big 3?

When sending a dispute letter How many disputes do you include on one letter?

If A TL has multiple late payments on it would each be considered a different dispute?

What Have you experienced to be the most sucsessful reason of dispute to get late items deleted?

Thank You!

Link to comment
Share on other sites

For me...I like to do one item at a time; it helps me keep track of my progress.

If the account is still with the OC, try to see if you can work out a payment plan with them. It's always good to deal with the OC first!

When disputing, you should (at least I do) request one dispute at a time per letter. So if it's 3 items, you would send 3 separate letters to.

Late payments - if it's still with OC, try calling them to see if you could get them removed or write a GW letter as well.

Link to comment
Share on other sites

Guest
This topic is now closed to further replies.
 Share

×
×
  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.. For more information, please see our Privacy Policy and Terms of Use.