I am in need of 12 fico points to qualify for a 100% mortage. I have one account that is iibk but status says currently 120 days past due 2/2004 dla says 4/02 closed 12/02 it is capital one. I have disputed and it comes back verified, I also have an account through a finance company that was always paid on time and paid off in 1998 and its listed as currently 30 days past due,disputed this as well and came back verified. This is through trans union. If I can get these current statues updated correctly would give me the 12 points?
