I've read most of the strategies at one time or another but I can't get them off. My wife and I are preparing to buy a home, and all I have left are two accounts settled for less than the balance with the Original Creditors. One is with Amex, due to fall off in July, the other is with Discover that doesn't fall off until next year. I tried disputing for incomplete/inaccurate but they stuck. I don't think a PFD or Goodwill would work. I started to just call them both and ask today, but that sounds like it will be a waste of time. Do I have any chance? We found a home we like and would like to put in an offer soon. I managed to get up to 680 and the wife is at 750 but my score is going to cost us a few thousand dollars.
Wait 'tll one falls off, get your house, then refinance at a better rate after the other falls off. Or wait 'til next year to buy your house.
