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Discussion in 'Credit Talk' started by dmplz618, Sep 25, 2003.
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Save your money. Wait until the derog falls off your report. Apply with another mortgage co that is not aware of your history.
Yes, wait until it drops and then go elsewhere. It may surprise you and actually drop on 10/1 since EQ is in the habit of dropping a month early.
This co. was willing to offer us a 100% financing at 7.5% with 6% Seller Contributions. Would it be better for me to tell them whatever is necessary and then when they pull another credit report before closing they will see that the collection is gone??
Better Idea dispute it as obsolete with the CRA.
Since it's this close to falling off they may delete it.
When you dispute with the CRA don't say anything to them about trying to get a mortgage.
Most times when you dispute as obsolete within 2 or 3 months of the drop off date the CRA will simple remove the item from your report.
THE END ** *** ** LB 59
Do what I said in my other post.
THANKS LBROWN59!! I disputed as OBSOLETE and they deleted on 10/1/03. I gained 31 points on my EQ report. I am now at 629.
Re: Re: Mortgage Loan Question??
Hay that's great.