i have heard people mention that if you are having trouble getting legitimate bad items off your credit report you can go and apply for a home loan with a mortage company and when they pull your credit report, that they have a way of having items removed from your report much quicker than you could yourself, because they are have a vested intrest in cleaning up your credit (so they can make money from the loan) and after they improve your credit you can back out of the loan. does anyone have any experience with this? im looking to try and buy a house in the next 6 months, but my efforts at credit repair are going slowly. i know this is an underhanded trick, but liek most people on this board, i am desperate to get my credit fixed as quickly as possible.
From my personal expeience, no. As for the "vested interest" thet would have a greater interest in your scores being lower. They could charge you a higher interest rate. I have heard of rapid rescoring being done, but it's temporary at best. As soon as creditors update, your scores go back down. Just my $.02 Gib
