I finally got bought for a conventional mortgage after 8 months of disputing a bunch of derogs off my CR's! My interestr rate is locked at 6.870 apr and I have a loan commitment letter That's all I wanted. I still have 2 5 y/o derogs hanging over my head. 1 Amex unpaid c/o that they refused to validate and a Cap1 unpaid. In less than 2 years they will fall off. I offered to settle for deletion and they refused. I think that was fair enough but for many OC's deletion is worse than a capital sin. My fico scores are an all around 638. When I began I was in the mid 500's I wish to thank the management and members of Creditnet. Without everybody here lighting the way for me and many of us we would have fared much worse. Just last week another "paid charge off " was deleted due to disputing so I'll keep hanging around Cnet and keep disputing till All my CR's are completely clean. That's tha main lesson that I learned here: persistance pays off. The next most important : read ,read and keep reading the posts and listen to the experts. Good luck to everybody!
