At a stand still. What next???

Hi Everyone, Been gone for a while & now I am back for help.

Back in Dec we had gotten our credit cleaned up enough to buy a new house. FHA @ 7.5%

Now I am at a complete halt with getting the last few items off the CR's that need to go.

1) An old mortgage that was paid off in full, with the sale of the house, in 11/99. This was deleted from my report for inaccurate reporting. For some reason I can not get the same exact thing off my husbands.

2) A Providian reporting on my husbands that was never his. (He does have a card & that one is also on there & is reporting correctly.)

3) The scores????? In Aug. '01 everything else that was negative was taken off. Since then we have added the new mortage which has reported now for 5 months & a CC reporting now for 3 months.

There are no lates or anything negative. Our scores are worse then when I started the cleaning up process last July.

What is going on????

When we bought this house it was with the intention of remodeling it totally. Because of our scores we can't get a home improvement or refi with cash out. It is so frustrating.

How long can we expect to wait for those scores to go up. There down to the mid 500's now.

Thanks, Becky

 

Thanks.

I guess I could hold out another 6 months. I waited 2 years to get this house

Becky