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Dispute or Not DIspute?


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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?


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