I have been trying to buy a house for about a year now. I am 28 and I have a good government job that pays well. When I was younger I made mistakes like moving away from home the day I was 18, picking horrible roommates, and picking up the slack when I couldn't afford too.
In the short, I suffered from a repo'd vehicle, closed credit cards, and thats about it for that part of the store. I also suffered medical bills that I did not know that I had at the time from a motorcycle accident. I found those when I started the home buying journey.
While I have spent the past year trying to fix this I have hit a dead end, with the exception of going to a credit repair specialist who would charge me. I am trying, and would like to do this by myself and as cheap as possible. I will make a list below of what I have done so far and what has happened.
Paid in full through a collection agency 1/12
Filed for a dispute 3/12
Still showing as open and owing 5/12
Dispute stated that the account was updated, the only thing that was changed was the amount that was owed. It was increased after I have paid the account. I have letters stating that the account was paid in full and $0 is owed on the account.
Paid/Settled for less 6/11
Filed dispute 3/12
Showing as something different on each bureau
TU-Late 120+ EX-Charge Off EN-Unknown
3 Medical accounts:
Paid in full 5-6/11
File dispute 3/12
All showing as accounts still in collection. When I called the companies they stated that they no longer have the accounts they were reported as payed.
Those are my current problems. At least I think thats what they are.
I currently have 3 open credit cards, one with a $700 limit (30% balance), a $600 (25% balance) and a $500 (1% balance). I have 2 auto loans that are paid in full by myself as well. The most recent one being paid off on 4/10.
I am at a brick wall and I don't know where else to turn. All I know about credit is that the higher my number is the more stuff that I can get. Don't make late payments, and don't leave a balance on credits cards greater then 30%.